Secure offline payment solutions need implementation within digital payment systems because of rising transaction requirements along with decreased dependence on internet connections. Poor connectivity exposes the limitations of the existing payment methods, which include credit cards, UPI, and mobile wallets in particular. The research evaluates existing offline payment systems through an analysis of their operational mechanics as well as their security measures together with their practical limitations. Research indicates that users choose payment systems that allow transactions between online and offline environments. The developed TOTP and SHA3-encrypted SMS-based payment method provides secure authentication for transactions. Through telecom networks, the system enables rural communities to access finance more easily and provides framework scalability along with fraud security and user-friendly features.

Offline Payment Solutions Digital Transactions Secure Authentication SMS-Based Payment