Payment Gateway Questions & Answers

Create a high-value UPI clearing ledger so large donations don’t mix with regular UPI inflows.

Post each tranche (if split) with its own RRN into this clearing account and move funds to Donations – Bank only after PSP settlement is confirmed.

Tag postings with category DONATION for audit filters.

Ensure refunds/chargebacks reverse against the same high-value clearing ledger for clean reconciliation.

Capture the UPI RRN from the PSP callback and store it on the membership invoice record.

Insert it into the GST e-invoice JSON under PayDtls.PayRefNo before IRP submission.

Render the same RRN in the PDF’s Payment Details section (e.g., UPI Reference ID: XXXXX).

If payments are split, list all RRNs under the same membership invoice for audit clarity.

Create a high-value UPI clearing ledger so large B2B procurement payments don’t mix with standard UPI transactions.

Post each tranche (if split) with its own RRN into this clearing account and move it to the Supplier Payables – Bank ledger only after PSP settlement.

Tag all postings with category B2B_PROCUREMENT for audit filters.

Ensure refunds/adjustments reverse against the same high-value clearing ledger

• Maintain a category→limit table for B2B_PROCUREMENT (per-txn and daily caps) and tag each supplier payment with this category.
• Pre-validate block or auto-split if amount > perTxnLimit or (today_inflow + amount) > dailyLimit.
• Call PSP/NPCI limit-eligibility APIs for bank-specific higher limits.
• On success, store RRNs and update daily counters for audit and reconciliation."

Tag each UPI donation payment with the NPCI-approved purpose code DONATE (or the PSP’s designated donation code) when creating the UPI intent.

Store this code in the transaction record, settlement ledger, and audit logs so donation receipts can be filtered easily.

Validate that the PSP callback returns the same code before posting to your donations ledger for clean reconciliation.

• Simulate renewal payments (below/above ₹1L) in a sandbox to confirm the correct UPI corridor (standard or high-value) is used.
• Test partial and full refunds using the original RRNs and verify PSP processing under the new capped rules.
• Trigger mock chargebacks via PSP dispute APIs to validate ledger reversals and temporary holds.
• Reconcile results to ensure refund/chargeback amounts and statuses match PSP confirmation files and update renewal history correctly.

The ERP finance module should promptly suggest higher-capacity, audit-friendly substitutes when UPI caps are reached during B2B procurement:

NetBanking (NEFT/RTGS/IMPS) for high-value or urgent supplier payments.

Corporate cards or virtual cards if the buyer’s procurement policy allows card-based settlements.

Account-to-account transfers (direct bank transfer with shared UTR).

Show a clear prompt: UPI limit reached, use RTGS/NEFT or Corporate Card to complete this procurement.

Capture the UPI RRN from the PSP callback and store it against the renewal invoice record.

Insert it into the GST e-invoice JSON under PayDtls.PayRefNo before IRP submission.

Render the same RRN in the PDF’s Payment Details section (e.g., UPI Reference ID: XXXXX).

Keep all split-payment RRNs grouped under the same renewal invoice for audit clarity

The ERP finance module should promptly recommend the following when UPI caps are reached during loan EMI collection: 

The most dependable backup is NACH/Auto-debit mandates for recurring EMIs.

NetBanking (IMPS/NEFT/RTGS) for high-value or same-day EMI payments.

If permitted by the lender's policy, debit or credit cards.

An obvious message such as: Try NACH or NetBanking to finish this EMI; your UPI limit has been reached.

Integrate the ERP finance module with the PSP/NPCI UPI limit-eligibility API and tag the transaction category as EMI/LOAN before the check.

If the API returns higher-limit support for the customer’s bank, show a banner like Your bank supports higher UPI limits for EMI payments up to ₹X available.

Cache eligibility per bank for a few hours and fall back to standard-limit messaging if no enhanced limit is returned