Payment Gateway Questions & Answers

When a customer hits the UPI transaction cap in your ERP finance module during a travel booking checkout, especially for high-value itineraries like international flights or group packages, the system should automatically suggest fallback payment methods that keep the booking flow smooth and reduce drop-offs. The key is to provide instant alternatives that align with user convenience, transaction reliability, and accounting accuracy.

The first fallback should be net banking through linked partner banks or payment aggregators. Since most travelers already use internet banking for large transactions, the ERP module can display a one-click redirect to bank login pages. This works well for payments above ₹1 lakh, which often exceed the UPI per-transaction limit.

Next, offer debit and credit card options, especially those supporting EMI or credit-on-demand models. For travel payments, EMI can be a strong retention tool, customers are less likely to abandon checkout if they can spread payments across months. Make sure your ERP module supports automated reconciliation by mapping card gateway settlement IDs to travel booking reference numbers.

A third fallback is NEFT/RTGS bank transfer. This method is particularly useful for corporate or bulk travel bookings that cross UPI daily caps. When UPI fails mid-checkout, your ERP can automatically display beneficiary details (account number, IFSC, payment reference) for manual transfers. To make the experience smoother, your ERP can also accept proof of transfer upload (like UTR ID or screenshot) and flag the booking as Pending Confirmation until the payment hits your bank account.

For high-trust users or regular corporate clients, enabling a wallet or prepayment balance option can also help. This allows customers to load funds in advance and instantly complete travel bookings even if UPI or card limits are hit.

Finally, for critical or last-minute bookings, like urgent flight reservations, your ERP module could recommend a pay-later integration (like Simpl, Lazypay, or in-house credit limits). This ensures the booking isn’t lost due to a temporary payment cap.

First, ensure your billing engine captures the UPI transaction reference ID (UTR or UPI Ref ID) returned from the payment gateway or PSP. This field is usually available in the callback of the payment confirmation. For example, this may be provided under upi_txn_ref or bank_rrn. Store this ID in your payment records against the corresponding invoice or booking ID. Once stored, it can be dynamically inserted into the e-invoice generation workflow.

While generating the GST e-invoice JSON-just before PDF rendering-include UPI reference under the Payment Details section PayDtls as part of PayRefNo or as an extension field like AdditionalPaymentInfo. This will ensure that the UPI reference remains within the official invoice data being submitted to IRP. Once IRP has completed validation and generated the IRN, your system can retrieve it for populating the PDF version of the invoice.

In the GST e-invoice PDF format, include a separate section titled Payment Information or UPI Transaction Details at the bottom of the invoice, just below the payment summary or QR code. This should contain:

• Payment Mode: UPI
• UPI Reference ID: e.g. 1234567890@upi or UTR number
• Payment Date & Time: From payment confirmation timestamp
• Bank Name (Optional): Issuing or acquiring bank if available

If you’re embedding the dynamic QR code for compliance with GST—according to CBIC guidelines about B2C invoices—ensure that your UPI reference ID is not confused with the QR payment payload. The QR should contain standard invoice parameters, which include supplier GSTIN, IRN, and total amount, while the UPI reference appears as part of the payment confirmation details post-transaction.

Lastly, ensure that your billing engine exports these PDFs with tamper-proof metadata. Include digital signing or watermarking features to mark the invoice as IRP-validated and paid via UPI.

Create a new permission set that grants access only to the newly added CRM tabs.

Assign tab visibility = Default Off for all users and Default On only for specific roles or profiles.

Remove tab access from broad permission sets to keep visibility limited and role specific.

In short, your billing software should:

• Detect over-limit UPI amounts automatically
• Split them into smaller, sequential payments
• Link them under one booking ID
• Combine them in reconciliation
• Provide clear UI feedback and retry options

This kind of split-payment automation keeps your travel UPI checkout seamless, even for high-value bookings that exceed standard UPI caps.

Update your POS system to:

• Route high-value UPI receipts to a dedicated clearing account
• Use travel-specific purpose codes for ledger mapping
• Hold receipts in Pending Settlement until PSP confirmation
• Mirror refund and reversal logic under the same ledger rules
• Auto-split revenue among travel suppliers
• Flag delayed settlements for manual review

With these updates, your POS system will record high-value UPI travel payments accurately, stay audit-ready, and ensure your daily settlements line up perfectly with your PSP and bank reports.

To validate category-wise UPI limits post–September 15, 2025, your payment gateway integration should:

• Maintain an up-to-date category-to-limit mapping based on NPCI/PSP data.
• Perform pre-validation before every UPI request using that mapping.
• Use bank APIs to check eligibility for higher limits when applicable.
• Return clear structured responses to the ERP or app layer if a cap is hit.
• Log all validations for audit and compliance.

This setup ensures your gateway handles UPI caps intelligently, preventing failed payments, guiding users transparently, and staying fully compliant with the new NPCI category-wise transaction rules.

Finance teams should enable:

• Daily aggregate UPI usage alerts (to watch total collection volume).
• High-value UPI receipt alerts (to flag ₹1L+ transactions).
• Failure rate alerts (to detect PSP or network issues).
• Bank-wise cap alerts (to track per-bank UPI behavior).
• Settlement delay alerts (for pending high-value credits).

Together, these alerts keep your travel payments flow stable, give early warning before UPI caps hit, and make sure large transactions are tracked and reconciled properly, all without your finance team needing to manually dig through reports every day.

• Capture and store the UPI reference ID from PSP callbacks.
• Map it into the PayRefNo field of the GST e-invoice JSON.
• Display it clearly in the PDF’s payment section.
• For split payments, include all UPI IDs in a table.
• Validate settlement before export.

Doing this keeps your travel POS system compliant, audit-ready, and transparent, making GST filing and reconciliation way smoother.

Capture the UPI reference ID (RRN or upi_txn_ref) from your PSP’s payment confirmation.

Map it to the PayRefNo field in the GST e-invoice JSON under PayDtls, then embed it in the PDF’s Payment Details section.

Display it clearly below the payment mode (UPI Reference ID: XXXXXXXX) for audit and reconciliation visibility.

In short, your accounting package should:

• Detect cap breaches automatically.
• Split payments into smaller UPI legs.
• Handle each leg sequentially with unique sub-references.
• Merge settlements automatically in the ledger.
• Maintain full audit logs.

With these workflows, your education fee payments will go through smoothly, even for ₹2–₹5 lakh invoices, without frustrating users or creating reconciliation chaos.