Best Free Payment Gateway in 2025

Maintain a category-limit matrix defining UPI caps for “Vehicle Down Payments” per NPCI and bank rules. Pre-validate each payment against per-transaction and daily caps before initiating the UPI intent. Call PSP/NPCI APIs for real-time bank-specific limit eligibility when available. Handle exceedances by auto-splitting payments or suggesting fallback methods like RTGS or NetBanking.

Simulate refunds in a sandbox using sample SIP UPI RRNs—test both partial and full reversals within new cap limits.

Validate routing so refunds use the same UPI corridor (standard or high-value) as the original transaction.

Test chargeback flows by triggering dispute cases from the PSP sandbox and ensuring ledger reversals post correctly.

Reconcile results to confirm refund amounts match PSP confirmations and update SIP transaction history accurately.

When UPI caps are reached mid-checkout, the ERP finance module should automatically recommend

• NetBanking (NEFT/RTGS/IMPS) for large or urgent government payments.
• Corporate debit/credit cards if the buyer’s organization allows card-based procurement.
• e-RUPI or payment mandates for recurring government contracts.
• Display a clear prompt like, Your bank’s UPI limit has been reached, try NetBanking or RTGS for faster completion.

Maintain a category→limit table (e.g., GEM) with per-txn and daily aggregate caps, plus bank/PSP overrides, and tag every purchase with its category and payer VPA.

Pre-validate: before creating the UPI intent check amount ≤ perTxnLimit and (today_inflow + amount) ≤ dailyLimit; call PSP/NPCI eligibility API for bank-specific allowance when available.

If limits are exceeded, auto-split or block and show fallbacks (NetBanking/card); after settlement record RRNs and update daily counters for reconciliation and audit.

Integrate the ERP finance module with the PSP’s or NPCI’s UPI limit eligibility API to check in real time whether a customer’s bank supports higher UPI limits for government e-marketplace (GeM) payments.

When the API returns HIGH_LIMIT_ELIGIBLE, display an in-checkout message like Your bank supports higher UPI limits for government transactions, up to ₹5,00,000.

Cache results per bank for a few hours and fall back to showing standard UPI caps if eligibility data isn’t available