How to Withdraw Your Credit Using Airpay Retail System?

Following the NPCI regulations that came into effect on September 15, 2025, your POS system must validate insurance premium UPI payments by checking both per-transaction and cumulative daily limits for the specific merchant category. This is distinct from the lower, standard UPI limits.

Start by tracking cumulative UPI transaction volume per store per day in your payment service or ERP. Every time a UPI payment is processed, log the transaction amount along with the merchant VPA, date, and category. Then, have a daily counter that resets at midnight (or whenever NPCI’s cycle resets).
Next, define category-wise cap thresholds in your config, for example, ₹10L for verified merchants in approved categories and ₹2L for everyone else. Then, set trigger points like 80%, 90%, and 100% of the limit.
At the 80% mark, you can send a soft warning via Slack, email, or dashboard alert, something like:
Heads up! Store #45 has reached 80% of its ₹10L UPI cap for today (₹8L processed). Monitor closely to avoid declines.
At 90%+, escalate it as a high-priority alert, possibly tagged to both finance and store managers so they can proactively switch to alternate payment modes (like netbanking or card) before UPI declines start.
To make this real-time, plug it into your payment processing middleware or gateway webhooks. Each successful transaction updates the cumulative total immediately, no waiting for end-of-day reports.
If you want to get fancy, you can integrate a visual dashboard showing daily cap usage as a progress bar per store. Many finance teams do this in Metabase or Grafana, it’s an easy way to see which merchants are nearing their limits at a glance.
Finally, make sure your alert system includes category validation logic. You don’t want to alert a store using a ₹2L cap if it’s actually verified for ₹10L. So sync your merchant category and verification status daily with your PSP or NPCI data source.