You can still pay using UPI Lite even if your bank server is down. This is actually the primary reason UPI Lite was invented. It is designed to be a "server-less" experience for small-value daily transactions.
UPI Lite is an "on-device wallet." When you "top up" your wallet, the money is moved from your bank to a secure space on your phone. When you make a payment, the app doesn't ask your bank for permission. It simply deducts the amount from the balance stored on your phone. Since the transaction doesn't hit the bank's "Core Banking System" (CBS) in real-time, it doesn't matter if your bank's servers are under maintenance or crashing.
Even if the central NPCI (National Payments Corporation of India) system is lagging, UPI Lite remains significantly more reliable because it requires much less communication with the central hub.
As of late 2025/early 2026, UPI Lite and wallet-based transactions typically account for about 0.5% to 1% of the total UPI volume, though this is growing as more people use it for small-value "PIN-less" payments.
No comments:
Post a Comment