Payment Gateway Questions & Answers

When UPI caps are hit, your platform should:

• Detect the cap automatically.
• Suggest NetBanking, Card, or Split UPI.
• Retry intelligently with smaller amounts.
• Offer EMI or payment links for bigger fees.
• Explain the reason clearly in-app.

That combo keeps your checkout smooth and prevents frustrated parents from calling the finance desk because UPI didn’t work again.

Add a purpose code like TDOP, store it in your ledger + invoice metadata, and make sure every UPI collection carries it end-to-end — from payment initiation → ledger → GST audit.

When auditors come asking what were these ₹5L UPI credits?, you’ll have one-click answers.

Grab the RRN from your payment gateway, link it to the invoice, add it under Payment Details in your GST e-invoice PDF, and if you want to be extra compliant, include it in the PayDet JSON block too.

RRN = your golden audit trail for FD UPI receipts.

To export UPI reference IDs for education fees into your GST e-invoice PDF, the payment gateway integration must capture the unique 12-digit UPI Transaction Reference (UTR) and include it in the e-invoice JSON data under the PayDtls section, specifically in the PayRefNo field. This information will then be embedded in the signed QR code generated by the IRP and can be displayed on the final PDF.

If you’re using a billing engine to handle term deposit (FD) openings via UPI, you need to tweak a few settlement and ledger rules so money is posted correctly.

UPI is instant, but final settlement and ledger posting aren’t — that’s where most teams mess up.
Here’s what to fix:

• Use the UPI Reference ID (RRN) as the main match key

Every successful UPI transaction has a unique RRN.
Always use that to post receipts, not the internal transaction ID.
It makes reconciliation with bank/NPCI settlement files super clean.

• Match payments by RRN + Amount + Date, not just invoice

Customers might retry or split large deposits, so matching only by invoice can double-post or miss entries.

• Post to a Term Deposit Receipts Account, not income

FD money isn’t your revenue, it’s a customer liability.

So, don’t post it under Payment Gateway Income.

Route it to a liability account like Term Deposit Receipts until the FD is actually booked.

• Post only after settlement confirmation

A success message from the UPI app doesn’t mean funds are settled yet.

Wait for the NPCI settlement file (R-17/R-19) before marking the deposit as funded.

Until then, park it in a Suspense Ledger.

• Handle split UPI payments

For deposits over ₹2 lakh, users might send money in multiple UPI transfers.
Your engine should combine those receipts until the full amount is received, then post once.

• Store UPI details in the ledger

When posting, record:

• UPI Reference ID (RRN)
• PSP or VPA (e.g., icici@upi)
• Amount & date

That helps auditors trace every rupee.

• Refund or reversal rules

If the deposit fails after payment, reverse the ledger entry and mark that RRN as reversed so it doesn’t get reposted later.

When every parent tries to pay school fees at the same time, UPI gateways get slammed response times shoot up, and your POS starts hammering the API with retries. That’s how you end up with timeouts, double debits, and angry parents.

Here’s how to fix that without breaking your fee collection flow:

• Watch UPI response times

Start by tracking how long UPI /collect and /status calls are taking.

If the average latency crosses 2.5 seconds for a short period (say, 20–30 seconds), flip your POS into a slow mode or degraded mode.

That means you temporarily stop firing retries at full speed until things calm down.

• Throttle retries based on latency

Instead of instantly retrying failed payments, add smart delays depending on how slow the UPI API is.

This keeps you from overwhelming your PSP when the network’s already congested.

• Add a circuit breaker

If more than ~25% of transactions are failing or timing out, pause retries for a few minutes.

Show a friendly message on the POS screen instead of spamming failures:

UPI is running slow right now. Please wait a few minutes or try NetBanking.

Parents get clarity, and your system doesn’t melt down.

• Use a retry queue

Don’t fire all retries at once.

Push them into a queue and process them in small batches once UPI response times drop.

For example:

• Retry 20 transactions every 30 seconds
• Resume normal speed when latency < 2 seconds

This keeps things smooth even after a PSP slowdown.

• Send alerts

When throttling kicks in, send a quick Slack or email alert like:

UPI latency 3.9s, throttling retries for 10 mins.

That way, your finance or ops team knows what’s happening before they start chasing missing payments.

• (Optional) Use webhooks instead of polling

If your PSP offers status webhooks, rely on those instead of constant /status API calls.

It’s faster, cleaner, and you’ll save a ton of retry load

Grab the RRN from your payment gateway, link it to the invoice, add it under Payment Details in your GST e-invoice PDF, and if you want to be extra compliant, include it in the PayDet JSON block too.

RRN = your golden audit trail for FD UPI receipts.

To handle high-value UPI receipts right:

• Match by UPI reference, not amount
• Add separate High-Value UPI ledger
• Support split or delayed settlements
• Keep GST and audit traceability intact

Do those four things, and your finance team won’t have to manually fix ₹5L receipts every month-end.

To handle high-value UPI receipts right —

• Match by UPI reference, not amount
• Add separate High-Value UPI ledger
• Support split or delayed settlements
• Keep GST and audit traceability intact

Do those four things, and your finance team won’t have to manually fix ₹5L receipts every month-end.

To tag UPI collections cleanly in your ERP:

• Add EDU_FEES as purpose code in UPI payload
• Map it to your Tuition Fee Receipts ledger
• Print it on receipts / GST invoices
• Reconcile using purpose code filters
• Block untagged UPI transactions

That one line of metadata purpose_code: EDU_FEES saves hours of reconciliation chaos later.