Offline, But On Point: CAMSPay Launches ‘UPI Offline Plus’ To Expand Payment Access

Image Source : India Today

CAMSPay has launched ‘UPI Offline Plus’, enabling UPI payments without internet access. The solution uses SIM-based authentication and encrypted SMS to support secure transactions in low-connectivity areas. Targeted at rural and field sectors, it aligns with RBI’s inclusion goals and expands CAMSPay’s digital payments infrastructure across India.

Computer Age Management Services Ltd (CAMS), through its fintech arm CAMSPay, has launched ‘UPI Offline Plus’, a breakthrough solution designed to enable Unified Payments Interface (UPI) transactions without internet connectivity. The launch marks a significant step in democratizing digital payments across India’s underserved and low-connectivity regions.

Launch Highlights

- ‘UPI Offline Plus’ allows users to initiate and complete UPI transactions even when mobile data or Wi-Fi is unavailable

- The solution leverages SIM-based authentication and encrypted SMS protocols to ensure secure, real-time payment processing

- CAMSPay’s platform integrates with major UPI apps and banking partners, enabling seamless offline transactions for merchants and consumers alike

- The feature is especially targeted at Tier 2 and Tier 3 towns, rural markets, and field-based service sectors where connectivity remains a challenge

- CAMSPay is among the first fintech providers to operationalize this capability in alignment with NPCI’s offline UPI framework

Strategic Context

- The launch supports the Reserve Bank of India’s financial inclusion goals and complements CAMSPay’s broader push into digital infrastructure for BFSI and NBFC segments

- CAMSPay’s existing suite includes UPI AutoPay for recurring mandates, tokenized card payments, and real-time analytics dashboards

- ‘UPI Offline Plus’ is built to handle high transaction volumes with PCI DSS compliance and RBI data localization mandates fully in place

Operational Impact

- Merchants can now accept payments in remote areas without relying on internet connectivity, reducing transaction failures and improving customer experience

- CAMSPay’s backend ensures instant transaction confirmation and reconciliation, even in offline mode

- The solution is expected to benefit sectors like agriculture, logistics, and doorstep banking services, where offline payment reliability is critical

Outlook

- CAMS plans to onboard more banks and fintech partners to scale ‘UPI Offline Plus’ nationwide

- The company is also exploring integration with wearable devices and feature phones to further expand reach

- Analysts view the launch as a timely innovation that bridges the digital divide and strengthens CAMSPay’s position in India’s evolving payments landscape

Sources: Business Standard, CAMSPay Website, C4S Courses

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