Payment Gateway Questions & Answers

Validate each GeM payment by checking its purpose code/MCC and ensuring the merchant is NPCI-verified for high-value UPI.

Enforce the updated ₹5L per-transaction and ₹10L per-day caps before creating a charge.

Block or auto-split any payment that exceeds limits.

Store the UPI txn ID + purpose code with the subscription invoice for audit and reconciliation.

Check the SIP’s purpose code/MCC = mutual funds and confirm the AMC is NPCI-verified for high-value UPI before showing eligibility.\

Validate the SIP instalment amount against the updated ₹5L per-txn cap so the message is accurate.

Use the gateway/PSP pre-auth response to confirm high-limit acceptance.

isplay a real-time higher-limit eligible banner only after all checks pass

Recommend NetBanking (e-mandate) as the primary fallback when SIP instalments exceed UPI per-txn or daily caps.

Offer debit/credit card mandates only if supported by the AMC for recurring debits.

Use split UPI only if AMC and PSP policies permit; otherwise direct users to a single higher-limit method.

Display a clear UPI limit reached choose another method prompt to prevent SIP setup failures.

Check the GeM order’s purpose code/MCC and confirm the merchant is NPCI-verified for high-value UPI before showing the message.

Validate the payable amount against the ₹5L per-txn cap so eligibility is accurate.

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

Display the higher-limit eligible banner only after all checks pass.

• Tag the transaction with the correct vehicle/automotive MCC/purpose code and confirm the dealer 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 (use the lower bank/PSP cap if applicable), and block or trigger auto-split when limits are exceeded.
• Require idempotency keys for retries, log the validation result (UPI txn ID, purpose code, merchant verification, amount) and surface a real-time “eligible / limit reached” message to the user.

Enable a daily aggregate cap alert that warns when mutual-fund UPI debits approach the ₹10L per-day category limit.

Add a high-value SIP spike alert for instalments nearing the ₹5L per-txn cap.

Use an unmapped-purpose alert to catch SIPs missing the mutual-fund purpose code/MCC.

Enable a settlement mismatch alert when UPI debit amounts don’t reconcile with SIP mandates or NAV-day entries.

Enable a daily aggregate cap alert that warns when mutual-fund SIP UPI debits approach the ₹10L per-day limit.

Add a high-value instalment alert for SIPs nearing the ₹5L per-txn cap.

Use an unmapped-purpose alert to flag SIPs missing the mutual-fund purpose code/MCC.

Enable a settlement mismatch alert when UPI debit amounts don’t reconcile with SIP mandates or NAV-day postings.

Recommend NetBanking (IMPS/RTGS/NEFT) as the primary fallback for large vehicle down payments that exceed UPI caps.

Offer debit/credit cards only if the dealership supports high-value recurring or one-time charges.

Use split UPI only when dealer + PSP policies explicitly allow it.

Show a clear UPI limit reached, choose another payment method prompt to prevent checkout failure.

The POS system should capture the UPI reference ID at payment confirmation and map it to a dedicated token payment field.

This field must be merged into the GST e-invoice PDF template under the payment or transaction details section.

The same reference ID should also be embedded in the IRP JSON payload for compliance and audit traceability.

Validate each SIP debit using the mutual-fund purpose code/MCC and ensure the AMC is NPCI-verified for high-value UPI.

Enforce the updated ₹5L per-transaction and ₹10L per-day caps using the lower of NPCI vs. bank/PSP limits.

Block or auto-split any debit that exceeds these caps.

Store the UPI txn ID, purpose code, merchant-verification flag, amount, and daily aggregate for audit and reconciliation.