How should mobile app checkout export UPI reference IDs for insurance premiums into our GST e-invoice PDF?

Exporting UPI reference IDs for insurance premium payments into your GST e-invoice PDF presupposes a cooperating flow of mobile app's checkout and invoicing backend wherein payment data gets embedded cleanly and compliantly in the final invoice. Here is the simplest, audit-friendly way to do it:

Your app should seize the UPI transaction reference ID (UTR or NPCI reference number) after the customer makes a UPI payment through the payment gateway or PSP callback. Now store that ID together with other invoice metadata, tax invoice number, GSTIN, payment method, and amount, in your ERP or invoicing service. The important thing is to consider this UPI reference ID as part of the payment details object linked to that invoice, not merely a transaction log entry.

Subsequently, while creating the GST e-invoice JSON (the format that is sent to the IRP for verification), the field in Payment Information or the extra information section (like PayeeRefNo or OtherPaymentInfo) should be filled with the UPI reference ID and clearly marked, e.g., UPIRefNo: 1234567890ABCDEF. Once the IRP has validated it and provided the Invoice Reference Number (IRN) and QR code, you can then display both the IRN and the UPI reference ID in your PDF template.

For better understanding and compliance with the law, the UPI reference ID must be visible: either

• Under the Payment Details section (under the mode of payment), or
• In a separate Transaction Details block showing Payment Mode: UPI and Reference ID: 1234567890ABCDEF.

If you are employing a PDF library (such as ReportLab, wkhtmltopdf, or iText), modify your template so that it automatically retrieves the UPIRefNo field whenever the payment mode is UPI.

Lastly, ensure that this field is in sync with your GST audit trail since auditors frequently cross-verify invoice payments with the UPI reference ID mentioned in bank statements, and thus having it integrated into your e-invoice PDF makes reconciliation easy.