Payment Gateway Questions & Answers

• Maintain a category→limit table for B2B_PROCUREMENT (per-txn and daily caps) and tag each supplier payment with this category.
• Pre-validate block or auto-split if amount > perTxnLimit or (today_inflow + amount) > dailyLimit.
• Call PSP/NPCI limit-eligibility APIs for bank-specific higher limits.
• On success, store RRNs and update daily counters for audit and reconciliation."

Tag each UPI donation payment with the NPCI-approved purpose code DONATE (or the PSP’s designated donation code) when creating the UPI intent.

Store this code in the transaction record, settlement ledger, and audit logs so donation receipts can be filtered easily.

Validate that the PSP callback returns the same code before posting to your donations ledger for clean reconciliation.

• Simulate renewal payments (below/above ₹1L) in a sandbox to confirm the correct UPI corridor (standard or high-value) is used.
• Test partial and full refunds using the original RRNs and verify PSP processing under the new capped rules.
• Trigger mock chargebacks via PSP dispute APIs to validate ledger reversals and temporary holds.
• Reconcile results to ensure refund/chargeback amounts and statuses match PSP confirmation files and update renewal history correctly.

The ERP finance module should promptly suggest higher-capacity, audit-friendly substitutes when UPI caps are reached during B2B procurement:

NetBanking (NEFT/RTGS/IMPS) for high-value or urgent supplier payments.

Corporate cards or virtual cards if the buyer’s procurement policy allows card-based settlements.

Account-to-account transfers (direct bank transfer with shared UTR).

Show a clear prompt: UPI limit reached, use RTGS/NEFT or Corporate Card to complete this procurement.

Capture the UPI RRN from the PSP callback and store it against the renewal invoice record.

Insert it into the GST e-invoice JSON under PayDtls.PayRefNo before IRP submission.

Render the same RRN in the PDF’s Payment Details section (e.g., UPI Reference ID: XXXXX).

Keep all split-payment RRNs grouped under the same renewal invoice for audit clarity

The ERP finance module should promptly recommend the following when UPI caps are reached during loan EMI collection: 

The most dependable backup is NACH/Auto-debit mandates for recurring EMIs.

NetBanking (IMPS/NEFT/RTGS) for high-value or same-day EMI payments.

If permitted by the lender's policy, debit or credit cards.

An obvious message such as: Try NACH or NetBanking to finish this EMI; your UPI limit has been reached."

Integrate the ERP finance module with the PSP/NPCI UPI limit-eligibility API and tag the transaction category as EMI/LOAN 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 EMI payments up to ₹X available.

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

Integrate the ERP finance module with your PSP/NPCI UPI limit-eligibility API and tag each renewal attempt with category SUBSCRIPTION/RENEWAL before the check.

If the API confirms higher-limit support for the customer’s bank, display a message like Your bank supports higher UPI limits for subscription renewals up to ₹X.

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

The purpose code/MCC should be GeM, and also the merchant should be NPCI-verified for high-value UPI before applying new caps.

Enforce per-txn ≤ ₹5,00,000 and 24-hour aggregate ≤ ₹10,00,000; block or auto-split payments exceeding the limits per merchant/payer scope.

Validate against PSP/bank caps, too, using the lower limit in case of banks imposing strict limits. Record UPI txn ID, purpose code, merchant verification flag, and validation result for audits.

A marketplace platform can tag UPI collections by mapping each hospital service or booking type to predefined RBI purpose codes in its payment workflow.

The platform auto-inserts this code while generating the UPI payment request.

This ensures accurate transaction classification, making audits and compliance reporting faster and error-free.