Best Free Payment Gateway in 2025

To export Cashfree Payments logs to a Security Information and Event Management (SIEM) system with least-privilege scopes, the most effective method is a secure, server-to-server connection using Cashfree webhooks. This approach leverages automated, real-time event notifications and avoids the need for broad access to the Cashfree dashboard.

Your rollback and communications strategy should put transaction integrity, customer trust, and quick recovery first if your PhonePe rollout results in performance regressions, such as delayed payment confirmations, unsuccessful UPI mandates, or webhook timeouts.

Make sure you have already backed up your API keys, webhook URLs, and transaction logs for the prior integration version in order to do a rollback. In order to immediately reroute UPI traffic from the new PhonePe flow back to your backup PSP (such as Razorpay or Paytm) without any delay, keep a feature flag or routing toggle handy. To prevent double debits or lost callbacks, temporarily halt new transactions during rollback. Only then, after end-to-end payment confirmation and settlement flow have been verified, can the previous integration be restored.

On the communications front, avoid confusion by informing your finance, operations, and support teams first so they can respond to questions in a consistent manner. The following could be your internal message: Since the most recent PhonePe roll-out, we've seen slower UPI response times. To ensure stability, we are reverting to the prior integration; payments are safe, and no client funds are in jeopardy. Externally, provide a brief update on your social media pages and status page in case users encounter any delays, stressing that payments are secure and will be attempted automatically again.
Document validation tests for upcoming rollouts (such as synthetic UPI testing, webhook latency thresholds, or reconciliation dry runs) and do a post-mortem after the rollback to determine what went wrong, whether it was API latency, rate constraints, or schema mismatches. The objective is straightforward: demonstrate your openness, technical readiness, and dedication to uptime, even in the event that things must be pulled back.

Take complete backups of your subscription tables, logs, and webhook data before beginning any rollback. To quickly switch traffic back to the earlier Razorpay API version or stop the new subscription module without taking your entire payment system down, keep a feature-flag toggle or environment variable available. Verify the rollback scripts in advance for tasks like reverting the SDK version, restoring configuration settings, or repointing API keys to the stable version if you're running several environments (such as staging and production). To avoid duplicate charges, halt automated renewals and retries during the rollback, and then restore after stability has been verified.

In terms of communications, openness and certainty are crucial. Internally, send a brief overview to your product, finance, and support departments immediately: To solve latency and renewal delays, we are temporarily reverting the Razorpay Subscriptions. Expect no customer impact other than slight billing delays. If high-value consumers' subscriptions may have been delayed, send them an email and put a brief update on your status page for customers or merchants. Conduct a post-event review when the rollback is finished, outlining the issues, the metrics that will be tracked (such as webhook delivery rate or renewal latency), and the process for validating the repair before redeploying. Demonstrating control over payments while resolving the issue quickly and transparently is the aim.

You must monitor both operational efficiency and system stability metrics to demonstrate that an NPCI update (such as new UPI APIs, transaction caps, or rule modifications) increased team productivity without increasing risk. Regarding productivity, start with the workload associated with manual reconciliation, the average time to execute NPCI compliance adjustments, and the transaction throughput per engineer. Your staff is working smarter, not harder, if these drop. Additionally, you may track the automation coverage of UPI procedures (such as auto-retries, reconciliation scripts, or refunds) and the number of support tickets pertaining to payments; fewer tickets typically indicate that the upgrade made operations simpler.

Pay attention to the transaction success rate, UPI response latency, and NPCI compliance alerts when it comes to risk. Decline rates, timeout percentages, and instances of fraud or duplicate transactions should all remain flat or lower in a stable update. Additionally, monitor the frequency of post-deployment rollbacks; lower rollbacks suggest dependability and confidence.

To restrict Checkout.com features to a pilot group, you must use a combination of a feature flag management system and robust policy controls, such as role-based access control (RBAC). This approach ensures that only designated users can access the new features while the rest of the user base remains unaffected.