Payment Gateway Questions & Answers

If UPI API response times exceed your criterion (e.g., >2s for 10% of calls), use latency-based throttling to decrease the frequency of retry. Use exponential backoff (5s → 15s → 45s) for payments that don't go through or are delayed. Turn on a circuit breaker to stop new UPI attempts after a string of failures and instruct users to use backup methods. Keep track of every throttling event for audits and monitoring purposes.

Use purpose-code/MCC-driven GL mapping so vehicle down-payment UPI receipts post to the correct vehicle sales, deposit/escrow, tax and fee ledgers.

Add split-settlement rules to allocate down payment across dealer settlement, taxes, dealer commissions, and platform fees with parent→child UPI txn links.

Enforce NPCI/bank per-txn (₹5L) and daily (₹10L) cap checks before posting and flag over-limit receipts for manual review or auto-split.

Persist immutable UPI txn ID, purpose code, merchant verification flag, and parent/child links on every ledger entry to support reconciliation, refunds and audits.

Finance teams should enable:

• Daily UPI volume alerts when hospital bill collections hit 80–90% of the day’s allowed cap.
• High-value bill alerts for any UPI payment above ₹1 lakh.
• Failure-rate alerts if UPI declines exceed 5% in a 15-minute window.
• Settlement delay alerts when hospital UPI receipts don’t clear within T+1

Use a purpose-code mapper that assigns the correct automotive/vehicle MCC based on the product (car, bike, commercial vehicle).

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

Store the purpose code + UPI txn ID in the reconciliation ledger for audit and settlement matching.

Block UPI initiation if a down payment lacks a mapped purpose code

Finance teams should enable:

• Daily UPI volume alerts: Trigger when total SIP inflows hit 80–90% of the day’s allowed limit.
• High-value SIP alerts: Flag any single SIP transaction above ₹1 lakh for review.
• Failure spike alerts: Notify if UPI failure rates exceed 5% in an hour.
• Settlement delay alerts: Warn if SIP settlements remain pending beyond T+1.
• Bank-level utilization alerts: Track which banks or PSPs are nearing their UPI caps.

Check the bill’s hospital/healthcare MCC or purpose code and confirm the hospital is NPCI-verified for high-value UPI.

Validate the payable amount against the applicable per-transaction and daily caps before showing eligibility.

Confirm via the gateway/PSP pre-auth response that the high-limit category is accepted.

Show a higher-limit eligible banner only after all checks pass and log the validation for audit.

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.