What alerts help detect Razorpay Subscriptions declines when customers hit the new category caps?

Model UPI headroom by:

• Define limits: Use NPCI caps (e.g., ₹5,000 per txn, daily user caps).
• Group transactions by category (e.g., via product tags or metadata).
• Calculate usage: Sum UPI debits per category per day.
• Compute headroom: Headroom= NPCI limit - category’s total UPI usage.
• Visualize: Display remaining headroom in the dashboard as a percentage or value indicator.>

QA should validate that auto-split transactions respect the ₹5,000 UPI cap and fail or fallback when exceeded. Reversals and refunds must be processed only during non-peak hours and within daily UPI transaction limits. Also test retry logic, partial failures, and status checks (max 3, with 90s delay) to ensure compliance.

Update your Razorpay Subscriptions checkout to:

• Per-transaction limit: Block UPI as a payment method if the subscription amount is more than ₹5,000.
• Daily usage caps: limit UPI related actions like balance check, list bank accounts and status checks.
• Peak hour restrictions: schedule UPI auto-debits outside peak hours (Avoid 10AM - 1PM and 5PM - 9:30PM).
• Retries: Allow only 3 retries for failed UPI debits, all during non-peak hours.
• UI and messaging: Show users UPI limits and timing rules at checkout and in notifications.

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