Best Payment Gateway for Mac in 2026

Use purpose-code/MCC-driven GL mapping so GeM UPI receipts post to the correct government-procurement ledgers.

Apply split-settlement rules to allocate amounts across supplier value, taxes, and platform fees, linking each child UPI txn ID.

Enforce NPCI per-txn and daily caps before posting and flag over-limit receipts for review.

Store the UPI txn ID + purpose code in each ledger entry for reconciliation and audits.

• Pre-auth cap check: before initiating payment, validate amount vs. NPCI per-txn cap and merchant verification; if over, trigger auto-split.
• Chunking & purpose preservation: split the total into compliant child amounts preserving purpose code/MCC and payer/merchant metadata.
• Parallel child requests: create linked child UPI collect requests (separate txn IDs) sent to PSP/gateway with parent-child references and retry logic.
• Reconcile & refund logic: reconcile all child txn IDs back to the original order, surface partial success/failures to user, and support atomic refunds that map to child payments.

Map each SIP product/AMC to the correct mutual-fund purpose code/MCC during order creation.

Embed this purpose code in the UPI collect/debit request so the gateway logs it correctly.

Store the purpose code + UPI txn ID in the ledger for reconciliation and audits.

Block SIP initiation if the purpose code is missing to avoid untagged transactions.

Add a pre-debit cap check that detects when a SIP instalment exceeds the ₹5L per-transaction limit.

Trigger an auto-split workflow that breaks the instalment into compliant child amounts while preserving the mutual-fund purpose code/MCC.

Generate linked child UPI debit requests with separate txn IDs and consistent idempotency + retry logic.

Reconcile all child payments back to the SIP mandate so settlement, NAV posting, and refunds stay accurate.

• Implement exponential backoff with jitter, like base 500ms and max 3 retries. Require idempotency keys so duplicate SIP debits never occur.
• Add circuit breaker that will open when the API latency/error rate crosses thresholds (5s avg or 5% errors), route retries to a delayed queue.
• Use a priority queue + TTL for retry tasks, escaping the long tail; enforce per-merchant concurrency limits and fall back on different payment methods in case of failure.
• Emit metrics / alerts: retry count, success-after-retry, circuit state. Expose an ops dashboard to tune thresholds.