Payment Gateway Questions & Answers

Use latency-based throttling: slow retry dispatch in the ERP queue if UPI API response times exceed your threshold (e.g., >2s for 10%+ calls).

Retry just timeout or network failures and use exponential backoff (5s → 15s → 45s).

After multiple unsuccessful attempts, activate a circuit breaker to halt new UPI attempts and reveal backup options such as RTGS/NetBanking.

To help operations keep an eye on PSP instability, log throttle events.

• Maintain a category→limit table for 'Real Estate Token Amounts' with updated per-transaction and daily caps.
• Pre-validate each payment: check the token amount against these caps before sending the UPI intent.
• Call the PSP/NPCI limit-eligibility API to confirm bank-specific higher-limit support when available.
• If limits are exceeded, auto-split the payment or prompt users to switch to RTGS/NetBanking.

• Simulate UPI payments (below and above ₹1 lakh) in a sandbox to test both standard and high-value corridors for real estate token amounts.
• Run partial and full refunds using the original RRNs and verify that PSPs process them under the new capped rules.
• Trigger chargeback cases from the PSP’s dispute sandbox and confirm that ledger reversals and holds post correctly.
• Reconcile all test results to ensure refund/chargeback amounts match PSP confirmations and update the token-amount audit trail accurately.

If UPI API response times exceed your criterion (e.g., >2s for 10% of calls), use latency-based throttling to decrease the frequency of retry. Use exponential backoff (5s → 15s → 45s) for payments that don't go through or are delayed. Turn on a circuit breaker to stop new UPI attempts after a string of failures and instruct users to use backup methods. Keep track of every throttling event for audits and monitoring purposes.

The accounting package should query the mapped hospital category and current RBI/NPCI limit table in real time at payment initiation.

If eligible for higher limits, it should display a dynamic in-app and checkout banner message confirming the enhanced cap.

This message must be API-driven and audit-logged to ensure regulatory traceability.

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.

Finance teams should enable:

• Daily UPI volume alerts when hospital bill collections hit 80–90% of the day’s allowed cap.
• High-value bill alerts for any UPI payment above ₹1 lakh.
• Failure-rate alerts if UPI declines exceed 5% in a 15-minute window.
• Settlement delay alerts when hospital UPI receipts don’t clear within T+1

Use a purpose-code mapper that assigns the correct automotive/vehicle MCC based on the product (car, bike, commercial vehicle).

Embed this purpose code in the UPI collect/debit payload so the gateway logs it correctly.

Store the purpose code + UPI txn ID in the reconciliation ledger for audit and settlement matching.

Block UPI initiation if a down payment lacks a mapped purpose code

Finance teams should enable:

• Daily UPI volume alerts: Trigger when total SIP inflows hit 80–90% of the day’s allowed limit.
• High-value SIP alerts: Flag any single SIP transaction above ₹1 lakh for review.
• Failure spike alerts: Notify if UPI failure rates exceed 5% in an hour.
• Settlement delay alerts: Warn if SIP settlements remain pending beyond T+1.
• Bank-level utilization alerts: Track which banks or PSPs are nearing their UPI caps.

Check the bill’s hospital/healthcare MCC or purpose code and confirm the hospital is NPCI-verified for high-value UPI.

Validate the payable amount against the applicable per-transaction and daily caps before showing eligibility.

Confirm via the gateway/PSP pre-auth response that the high-limit category is accepted.

Show a higher-limit eligible banner only after all checks pass and log the validation for audit.