Is payment possible without even internet connectivity ? — [2] Yes -upto Rs.2000 [3] NPCI is developing an offline”tap-and-pay” UPI feature using near field communcation[ NFC]-[4] However, offline transactions are verified only after connectivity is restored [5] Lost or stolen devices can also be misused [6] UK experience needs to be kept in mind–[7] Issues raised in the BS editorial need to be understood.