Payment Gateway Questions & Answers

Enable a daily aggregate cap alert that warns when GeM-related UPI receipts approach category-wise NPCI limits.

Add a high-value spike alert for sudden large PO payments that may breach per-day caps.

Use an unmapped-purpose alert to catch GeM transactions missing the correct government procurement purpose code.

Include a settlement mismatch alert when UPI receipts don’t reconcile with GeM PO or invoice amounts.

• Implement exponential backoff with jitter and a strict retry cap (e.g., 3 attempts) plus idempotency keys so duplicate UPI charges are impossible.
• Add a circuit breaker that opens when API latency/error rate exceeds thresholds (e.g., 5s avg or 5% errors), routing retries to a delayed queue or fallback payment method.
• Enforce per-merchant and global concurrency limits and queue excess requests with TTL, preserving order and linking retries to the original invoice.
• Log every retry decision, surface real-time latency/failed-retry alerts, and expose metrics (retry count, success-after-retry, circuit state) for ops to tune thresholds.

Add a pre-payment cap check that detects when a GeM UPI payment exceeds the allowed per-transaction limit.

Trigger an auto-split workflow that breaks the amount into compliant chunks while preserving the correct government-procurement purpose code.

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

Reconcile all split payments back to the original PO so settlement and refunds stay consistent.

Map each GeM purchase to a government-procurement purpose code/MCC based on item category or PO type.

Embed the purpose code inside the UPI collect/deep-link payload so the gateway logs it correctly for audits.

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

Block invoice generation if a GeM order lacks a mapped purpose to avoid untagged transactions.

Show a real-time eligibility banner by checking the booking’s purpose code/MCC and confirming the merchant is marked NPCI-verified for high-value UPI.

Validate the amount against the new ₹5L per-txn cap before displaying the message.

Use the gateway/PSP response to confirm that the high-limit category is accepted.

Surface the message only after these checks pass to avoid false assurances.

Use purpose-code/MCC-driven GL mapping so high-value travel UPI receipts post to the correct air/hotel/ancillary ledgers.

Apply split-settlement rules that allocate the receipt across supplier, fees, and taxes exactly as per the booking engine.

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

Record the UPI txn ID + purpose code with each ledger entry to support reconciliation and audits.

Use purpose-code/MCC-driven GL mapping so high-value travel UPI receipts post to the correct air/hotel/ancillary ledgers.

Apply split-settlement rules that allocate the receipt across supplier, fees, and taxes exactly as per the booking engine.

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

Record the UPI txn ID + purpose code with each ledger entry to support reconciliation and audits.

Your accounting package should verify that each UPI receipt tagged under the travel category (MCC-based) stays within the new ₹5 lakh per-transaction and ₹10 lakh per-day NPCI limits.

Check that the merchant is NPCI-verified for high-value UPI before applying these caps.

Block or flag any posting that exceeds limits or has missing/incorrect purpose codes.

Store the UPI txn ID, purpose code, and validation result for audits.

Your accounting package should verify that each UPI receipt tagged under the travel category (MCC-based) stays within the new ₹5 lakh per-transaction and ₹10 lakh per-day NPCI limits.

Check that the merchant is NPCI-verified for high-value UPI before applying these caps.

Block or flag any posting that exceeds limits or has missing/incorrect purpose codes.

Store the UPI txn ID, purpose code, and validation result for audits.

• Simulate UPI donations (below/above ₹1L) in a sandbox to verify the correct UPI corridor is used.
• Test partial/full refunds using original RRNs and confirm PSP processing under new capped rules.
• Trigger mock chargebacks via PSP dispute APIs to validate temporary holds and ledger reversals.
• Reconcile results against PSP confirmation files to ensure refund/chargeback entries match and audit trails stay accurate.