Payment Gateway Questions & Answers

Use purpose-code/MCC-driven GL mapping so vehicle down-payment UPI receipts post to the correct vehicle sales, deposit/escrow, tax and fee ledgers.

Add split-settlement rules to allocate down payment across dealer settlement, taxes, dealer commissions, and platform fees with parent→child UPI txn links.

Enforce NPCI/bank per-txn (₹5L) and daily (₹10L) cap checks before posting and flag over-limit receipts for manual review or auto-split.

Persist immutable UPI txn ID, purpose code, merchant verification flag, and parent/child links on every ledger entry to support reconciliation, refunds and audits.

Maintain a category-limit matrix defining UPI caps for “Vehicle Down Payments” per NPCI and bank rules. Pre-validate each payment against per-transaction and daily caps before initiating the UPI intent. Call PSP/NPCI APIs for real-time bank-specific limit eligibility when available. Handle exceedances by auto-splitting payments or suggesting fallback methods like RTGS or NetBanking.

Simulate refunds in a sandbox using sample SIP UPI RRNs—test both partial and full reversals within new cap limits.

Validate routing so refunds use the same UPI corridor (standard or high-value) as the original transaction.

Test chargeback flows by triggering dispute cases from the PSP sandbox and ensuring ledger reversals post correctly.

Reconcile results to confirm refund amounts match PSP confirmations and update SIP transaction history accurately.

When UPI caps are reached mid-checkout, the ERP finance module should automatically recommend

• NetBanking (NEFT/RTGS/IMPS) for large or urgent government payments.
• Corporate debit/credit cards if the buyer’s organization allows card-based procurement.
• e-RUPI or payment mandates for recurring government contracts.
• Display a clear prompt like, Your bank’s UPI limit has been reached, try NetBanking or RTGS for faster completion.

Maintain a category→limit table (e.g., GEM) with per-txn and daily aggregate caps, plus bank/PSP overrides, and tag every purchase with its category and payer VPA.

Pre-validate: before creating the UPI intent check amount ≤ perTxnLimit and (today_inflow + amount) ≤ dailyLimit; call PSP/NPCI eligibility API for bank-specific allowance when available.

If limits are exceeded, auto-split or block and show fallbacks (NetBanking/card); after settlement record RRNs and update daily counters for reconciliation and audit.

Integrate the ERP finance module with the PSP’s or NPCI’s UPI limit eligibility API to check in real time whether a customer’s bank supports higher UPI limits for government e-marketplace (GeM) payments.

When the API returns HIGH_LIMIT_ELIGIBLE, display an in-checkout message like Your bank supports higher UPI limits for government transactions, up to ₹5,00,000.

Cache results per bank for a few hours and fall back to showing standard UPI caps if eligibility data isn’t available

• Draft realistic meeting invites with benign-looking QR codes that point to a safe, monitored landing page (no real risk).
• Run the drill in scoped cohorts, log clicks/scans, and capture telemetry (who scanned, device, time, IP) for follow-up coaching.
• After the exercise, send tailored training to participants who scanned the QR (explain red flags: unexpected invites, mismatched domains, request for credentials).
• Report org-wide metrics (scan rate, repeat offenders, time-to-report) and repeat quarterly, adjusting difficulty and controls (link/QR scanning, MFA) as needed."

• Pre-check UPI cap: Before payment initiation, verify each SIP installment against the investor’s per-transaction UPI limit using the PSP or NPCI cap API.
• Auto-split logic: If the amount exceeds the cap, divide it into smaller tranches (e.g., INR 95,000 each) under the same SIP mandate ID.
• Sequential processing: Trigger the next UPI request only after confirmation of the previous one to prevent duplication.
• Unified reconciliation: Link all split RRNs under one SIP reference for settlement and audit tracking.

Integrate the ERP finance module with the PSP/NPCI UPI limit-eligibility API and tag each payment as EVENT_TICKETING 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 ticket purchases,  up to ₹X available.

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

Maintain a category→limit table for UTILITY_PAYMENTS (per-txn + daily caps) and tag each payment with that category before intent creation.

Pre-validate: reject or auto-split if amount > perTxnLimit and check (today_inflow_for_category + amount) ≤ dailyAggregateLimit per VPA/merchant.

Call PSP/NPCI eligibility APIs for bank-specific overrides when available, then record RRNs and update daily counters after settlement for audit and reconciliation.