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Since 2014 more than 35 crore people got financial Inclusion by getting bank accounts.  They have RuPay Debit Cards. In theory they can use Debit cards to pay. But there are issues which prevent it. 

Cowri NFC is a Near Field Communication Technology that is used to facilitate payments from low end phones.

Our Solution is to use NFC for Tap and Pay in Offline mode for small payments. Every User will have an NFC Sticker  (Cowri) that can be stuck to the back of a mobile phone.

To pay they will tap the NFC sticker (Cowri) on an Android Mobile that is acting as a POS (Counter).

Please visit for details