Payment Gateway Questions & Answers

Enable daily aggregate threshold alerts when total UPI collections for real estate tokens approach or cross RBI/NPCI caps.

Set project-wise and gateway-wise volume alerts to detect abnormal concentration of payments.

Configure exception alerts for sudden spikes, high failure rates, or reversal-heavy days for immediate finance review.

Test full, partial, and split-payment refunds to ensure each maps correctly to the parent/child UPI txn IDs and retains the mutual-fund purpose code.

Simulate PSP/bank outcomes (success, partial, failure) and verify ledger reversals, SIP mandate updates, and NAV adjustments.

Run chargeback scenarios to confirm disputes attach to the original SIP debit chain without breaking cap logic.

Validate reconciliation so refunded amounts match settlement files and never exceed NPCI daily limits.

Recommend NetBanking (E-mandate) as the primary fallback when a SIP debit hits the UPI per-txn or daily cap.

Offer debit/credit card mandate only if the AMC supports card-based recurring payments.

Allow split UPI only if the AMC’s policy permits; otherwise guide users to a single higher-limit method.

Show a clear UPI limit reached, choose another payment option prompt to avoid SIP setup failure.

Use a purpose-code mapper that assigns the correct government-procurement purpose code/MCC based on the GeM PO or product category.

Embed this purpose code in the UPI collect/deep-link payload sent from the POS.

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

Block UPI initiation if the PO lacks a mapped purpose to avoid untagged transactions.

Configure an exponential backoff retry policy with a hard max retry cap per token transaction (e.g., 3 attempts).

Link throttling to real-time latency and error-rate thresholds from the UPI gateway.

When thresholds breach, auto-reduce concurrency and activate a circuit breaker to pause retries and queue requests.

Use purpose-code/MCC-driven GL mapping so GeM-tagged UPI receipts post to the correct procurement-ledger accounts.

Apply split-settlement rules to allocate amounts across supplier value, taxes, fees, and platform commissions using linked child UPI txn IDs.

Enforce NPCI ₹5L per-txn / ₹10L per-day caps during posting and flag any over-limit receipts.

Store the UPI txn ID + purpose code with each ledger entry for clean reconciliation and audit trails.

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

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

Create linked child UPI debit requests with separate txn IDs and consistent retry/idempotency logic.

Reconcile all child txns back to the SIP mandate so settlements, NAV posting, and refunds stay consistent.

Tag each SIP as mutual-fund (MCC/purpose code) and confirm the AMC/merchant is NPCI-verified for high-value UPI before applying new caps.

Enforce per-txn ≤ ₹5,00,000 and 24-hour aggregate ≤ ₹10,00,000 checks (merchant/payer scope); block or auto-split payments that exceed these limits.

Also validate against the issuing bank/PSP cap (use the lower limit if bank imposes stricter rules) and require idempotency keys for retries.

Log the result (UPI txn ID, purpose code, merchant verification flag, amount, daily aggregate) for audit and reconciliation.

Add a pre-payment cap check that identifies SIP instalments above the ₹5L UPI per-transaction limit.

Trigger an auto-split workflow that divides the amount into compliant child payments while preserving the mutual-fund purpose code.

Generate linked child UPI requests with separate txn IDs and route each through the PSP with proper idempotency.

Reconcile all splits back to the SIP mandate so settlements, NAV posting, and refunds remain consistent.

Use purpose-code/MCC-based GL mapping so mutual-fund SIP UPI receipts post into the correct AMC/SIP income and fee ledgers.

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

Validate NPCI’s ₹5L per-txn / ₹10L per-day caps before posting and route over-limit receipts to review.

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