Payment Gateway Questions & Answers

Tag each payment with the healthcare/hospital MCC/purpose code and verify the hospital is NPCI-verified for high-value UPI.

Before authorising, check the bill against the configured per-transaction and 24-hour aggregate caps for that category (or lower bank/PSP limits).

Block or auto-split any UPI request that would breach these caps.

Log the cap check result with UPI txn ID, purpose code, merchant verification flag, amount, and daily aggregate for audits.

Enable a daily aggregate cap alert when vehicle down-payment UPI receipts approach the ₹10L per-day limit.

Add a high-value payment alert for down payments nearing the ₹5L per-txn cap.

Use an unmapped-purpose alert to flag transactions missing the automotive purpose code/MCC.

Enable a settlement mismatch alert when UPI receipts don’t reconcile with down-payment invoices or ledger postings.

Validate each down payment using the automotive purpose code/MCC and confirm the dealer is NPCI-verified for high-value UPI.

Enforce ₹5L per-transaction and ₹10L per-day caps (or lower bank/PSP limits) before reconciling.

Block or auto-split amounts that exceed limits.

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

"Check the payment’s automotive purpose code/MCC and confirm the dealer is NPCI-verified for high-value UPI.
Validate the payable amount against the ₹5L per-txn and ₹10L daily caps before showing any eligibility message.
Use the gateway/PSP pre-auth response to confirm the high-limit category is accepted.
Display a higher-limit eligible banner only after all checks pass and log the validation for audits.

Test full, partial, and split-payment refunds to ensure each reversal links back to the correct parent/child UPI txn IDs and keeps the automotive purpose code intact.

Simulate PSP/bank outcomes (success, partial, failure) and verify correct ledger reversals, GST adjustments, and invoice status updates.

Run chargeback scenarios to confirm disputes map to the original UPI txn chain without violating cap logic.

Validate reconciliation so refunded amounts match UPI settlement files and stay within NPCI daily limits

Enable a daily aggregate cap alert when vehicle down-payment UPI receipts approach the ₹10L per-day limit.

Add a high-value payment alert for down payments nearing the ₹5L per-txn cap.

Use an unmapped-purpose alert to catch transactions missing the automotive purpose code/MCC.

Enable a settlement mismatch alert when UPI receipts don’t reconcile with down-payment invoices or ledger amounts.

Add a pre-payment cap check that detects when a vehicle down payment exceeds the ₹5L UPI per-transaction limit.

Trigger an auto-split workflow that breaks the amount into compliant child payments while preserving the automotive purpose code/MCC.

Generate linked child UPI requests with separate txn IDs and route them through the PSP with full idempotency.

Reconcile all child payments back to the original invoice so settlement, refunds, and audits remain consistent.

Include the UPI transaction ID as a fixed, non-editable field in the e-invoice’s payment section, pulled directly from the ledger entry for that down payment.

Place it beside Payment Reference so auditors can trace it back to the UPI receipt, and include parent/child links if split.

Add the automotive purpose code/MCC only if required for internal or dealer audits.

Lock the field after PDF generation to preserve audit integrity.

Map each down payment to the correct automotive/vehicle MCC or purpose code based on the product (car, bike, commercial vehicle).

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

Store the purpose code + UPI txn ID in the marketplace ledger for reconciliation and audits.

Block UPI initiation if the purpose code is missing to avoid untagged transactions.

Insert the UPI transaction ID from the reconciliation ledger into the e-invoice PDF’s payment section as a fixed, non-editable field.

Place it near the “Payment Reference” block so auditors can trace it back to the GeM transaction.

Include the purpose code/MCC only if needed for GeM or internal audits, not GST validation.

Lock the field after PDF generation to preserve audit integrity.