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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by Imustaskforhelp on Wednesday February 11, 2026 @02:17AM (#46971899)
UPI in India if I remember correctly can actually work even offline by either sms/calling functionality even on dumb phones

Pasting this ddg-ai thing but I think its called UPI 123PAY

UPI 123PAY allows users to make digital payments using feature phones without needing a smartphone or internet connection. Users can set up a UPI ID by dialing *99# and can make payments through methods like IVR calls, missed calls, or sound-based technology.

https://razorpay.com/blog/what-is-upi-123-pay/

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