Offline Pay - Offline Digital Payment in India

Why OfflinePay makes sense

Many pockets in the country still face network issues, including some urban areas, where network connections occasionally drop. Your HDFC Bank OfflinePay wallet can come in handy in situations such as:

	Network congestion in high-density areas, such as sporting events, concerts, festivals, and other large gatherings
	Network' blind spots', including basements, parking lots, lifts, malls, large buildings, etc.
	Absence of network while travelling by train, ferry, or airplane
	Areas with low connectivity in Tier 3/4/5 towns and rural areas

Benefits of the OfflinePay wallet for Customers

Easy access

OfflinePay is available as an on-device wallet so you can use it whenever needed.

Convenience

Add money to the OfflinePay wallet and use it later to make small payments even when you or the merchant (or both) are offline.

Reduced load

OfflinePay will ease the burden on core banking systems and enable deferred payment processing in low- or no-network situations.

How to start using OfflinePay

OfflinePay transactions are enabled when you and the merchant have a user app and the OfflinePay wallet. The process is as follows:

Open the user app, select HDFC Bank, and log in
An OfflinePay wallet will be created in the payment app
Adds funds to your OfflinePay wallet
Scan the merchant QR code and pay using your OfflinePay wallet
As the amount is debited from the OfflinePay wallet, the OfflinePay generates a QR code
The merchant can now scan this code for proof of payment
The transaction gets posted and confirmed when you or the merchant come online.

To locate your nearest merchant Click here

For Customers:

	A transaction PIN secures your transaction through the OfflinePay digital wallet
	Check your wallet balance, view transaction details and add funds to the wallet on the go
	Add up to ₹ 2,000 in the OfflinePay wallet through UPI e-payment
	In case of wallet closure, the balance amount will be refunded to the bank account linked to the registered mobile number within seven days
	As OfflinePay is meant for low-value payments, the transaction amount is limited to ₹ 200
	Customers and merchants can make a maximum of five transactions while offline

Merchant Benefits

Get various details of transactions on the OfflinePay platform, such as

View up to 50 latest transactions in offline mode
View settlements, validate offline transactions, and see a list of recently accepted transactions (including offline accepted transactions) and their status
View date-wise transactions, one-click additional details on the payment source, and transaction and payment details
View date-wise settlement status and a summary of settlement and calculation details
Download reports of the transaction count, transaction amount, refund count, adjustment amount, dispute adjustment, and failed or pending status

FAQs

1. What is OfflinePay?
OfflinePay is an on-device wallet functionality that enables quick and easy, low-value offline transactions. OfflinePay will allow merchants and users to accept and make payments even in low or no internet/ network scenarios.

2. Can I top up the wallet offline as well?
Wallet top-up can only be done when the user is online.

3. I am a customer. How do I register for OfflinePay?

Open the OfflinePay app
Select HDFC Bank to Login/Register
Your mobile number will be retrieved via SIM
Enable the device fingerprint/PIN/Pattern to be used as AFA
Wallet balance/status will then be visible
To log out, tap on the logout option

Note: Only whitelisted users will be able to register for OfflinePay.

4. How do I activate my OfflinePay digital wallet?

Look for the enable wallet option on the home screen
Tap to enable the wallet for quick payments
Set up a digital wallet pin (Transaction PIN)
Your digital wallet is enabled and will show '₹ 0' balance.

5. How do I top up my digital wallet?

The wallet top-up option will be visible on the home screen
Tap on the wallet top-up option to add money
Enter the amount you want to add to the digital wallet
After tapping on the 'Add Money' button, you will be redirected to a PG page to complete the payment via UPI/NetBanking/Cards, etc.
Once the transaction is successful - your digital wallet balance is updated.

6. How do I close my digital wallet?

Check the home screen for the option to close your wallet
Tap on 'Close Wallet'
The balance amount in your digital wallet will be refunded to the bank account linked to your registered mobile number within the TAT decided by your bank
Your digital wallet will be disabled.

7. What happens to my money when I close the digital wallet?
Your digital wallet balance will be refunded to the linked bank account.

8. Can I still make online payments from this app?
Yes, you can still make online transactions in the same way as offline transactions from this app.

9. What happens if my transaction fails?
As this is an offline payments app - if the transaction fails, the amount is not deducted from your wallet. The amount is deducted only after the success of the payment is confirmed on the app.

10. I completed a transaction on the app, but the merchant has not delivered the goods/services. What should I do now?
You can go to the particular transaction in the transaction history and raise a dispute

Tap on 'View Transactions' to go to the passbook screen
All transactions with the amount paid and transaction status will be visible on the screen
Tap on a specific transaction to get a detailed view
You can then add comments and raise a dispute
When a dispute is raised successfully, you can view the status in 'Detailed View'

11. How do I reset my PIN?

To reset the digital wallet PIN (transaction pin), tap on Forgot PIN CTA (on the transaction screen)
On tapping Forgot PIN, you will be prompted to log in to the device
The request is authenticated by the SDK and sent to the backend via the app
After validation - the wallet system will approve the request
You will be taken to the reset PIN page to enter a new PIN
Once you confirm - the digital wallet PIN will be reset

12. How do I do an offline transaction?

Open the payment app and scan the QR presented by the merchant
Authenticate the payment request by entering your PIN.

13. Are there any limits for a customer paying offline?

Maximum reload amount for a single reload is ₹ 2,000
Maximum reload amount aggregate for a month is ₹ 10,000
Max amount allowed in OfflinePay is ₹ 2,000
Maximum amount allowed per transaction is ₹ 200
Maximum total count of transactions in the offline wallet allowed is five.

*You have to go online when max value is reached to undertake the next offline transaction

14. Can I, as a customer, change the limits for OfflinePay?
No, changing the limit isn’t possible.

MERCHANTS

15. How is a Merchant Onboarded?

The bank provides the file with all sample merchants to be onboarded
Merchants are onboarded from the backend. Logins are enabled for those merchants on the primary mobile number/email id shared; merchants can log in after registration.

16. How do I log into the app?

Open the app
Select your bank
Register via SIM Binding– device biometrics / PIN will be used for app login
You will be logged in to the merchant app and can logout anytime

17. How do I receive a payment as a merchant?

Open the app and enter the amount to be requested.
Show the QR which has been created in the app
The customer will scan the QR and complete the payment using a PIN. A confirmation QR will be created in the customer’s app
Scan the confirmation QR created in the customer app to validate the payment's legitimacy.

18. How does a merchant validate an offline payment?
The merchant scans the confirmation QR code created in the customer’s app when the payment is accepted and signed with the PIN.

19. Is there any limitation for a merchant being offline?
No.

20. When will I see transactions on my online account?
Once the merchant or customer goes online, they can see the transaction.

21. How can I see my transaction details?

Open the app
You can see the list of recently accepted transactions under “Recent Transaction”
You will be able to switch dates to see all transactions on that date
You will also be able to see transactions that were accepted offline and their pending status
You will be able to tap on the transaction to see additional details like Payment Source Details - Channel, Issuer etc.
Settlement Details - Settlement date, the settlement amount
Transaction details - Amount, Reference Numbers, Date/time

22. How do I check if the transaction has been settled?

You can tap on the 'Settlements' option to see all settlements with the date /amount
You can tap on a settlement to see a summary of the settlement and how it was calculated and even download a report
Transaction count/amount and details net of MDRs
Refund count/amount adjustments
Dispute adjustments
You can also see settlement status (if settled or failed or pending) on the app

23. I am a merchant. How can I check the settlement for my offline payment transactions in my account?
For offline payment transactions done on a particular date, settlement for the same will happen on the next day after you go online. To identify Offline Payment settlement in your bank account please check credits with the narration as “OfflinePay”.

	Log in through your primary mobile number or email ID
	Secure login and registration are done through SIM binding, device and biometrics/PIN
	OfflinePay lets you generate a QR code to accept offline payment
	You can scan the transaction QR to record offline accepted payment

OfflinePay - Offline Digital Payment

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