How do we model category-wise UPI headroom in finance dashboards for Pine Labs transactions?

Here are QA scenarios to validate Paytm's compliance with these revised limits:

• Auto-Split Functionality

Transaction exceeding P2P limits
Transaction exceeding category-specific limits
Transaction split behavior
Successful auto-split

• Reversals

Failed transaction within P2P limits
Failed transaction within category-specific limits (P2M
Compensation for delayed reversals
Communication for failed transactions

• Refunds

Failed UPI transaction with debit but no credit
User-initiated refund for incorrect transaction
Refunds for amounts exceeding standard limits (P2M)
Grievance redressal for refunds

To properly annotate Goods and Services Tax (GST) e-invoices with UPI reference IDs from Juspay Safe, a business must integrate its billing system with Juspay's APIs and its e-invoicing solution. This ensures that the unique UPI reference number (often a 12-digit UTR) is captured during payment and then correctly included in the e-invoice, which is required for reconciliation and compliance.

To test PayU auto-split, reversals, and refunds under NPCI's revised limits, focus on scenarios like splitting a transaction where some participants exceed revised UPI limits (e.g., UPI AutoPay), validating the handling of partial/full auto-refunds across split accounts, and ensuring transaction reversals respect UPI limits and timelines, verifying that the appropriate APIs and payment statuses are updated correctly for all split participants, especially after a refund or reversal action.

To enforce the new UPI caps, ensure your PayU integration supports these higher limits by confirming that your system correctly handles the increased per-transaction and daily amounts for eligible Person-to-Merchant (P2M) payments in categories like investments, insurance, and travel. Verify that your backend logic checks and enforces these limits, especially for verified merchants, and that you have integrated any necessary updates from PayU's developer documentation to process these higher-value transactions correctly.

To add payment gateway in app you should:

• Select the right payment gateway.
• Create a merchant account.
• Install SDK or API.
• Configure payment options.
• Verify payment (backend).
• Test in sandbox mode.
• Go live.