1 Answers
A:
If your POS (like a school’s front-desk billing or fee collection terminal) accepts UPI payments, you absolutely need to push the UPI Reference ID (RRN or UPI Txn ID) into the GST e-invoice PDF, both for audit and GST return matching.
Here’s the clean way to do it:
Every successful UPI payment response contains a unique reference ID, usually under one of these keys depending on your PSP:
upi_txn_id: 231015672345,
rrn: 324512378912,
txn_reference: HDFC12345UPI
Make sure your POS stores this value in your payment table alongside the invoice number, like:
invoice_no | payment_mode | upi_ref_id
FE2025-0923 | UPI | 231015672345
The GST e-invoice format already has a section for Payment Details:
PaymentDet: {
PayMode: UPI,
FinInsBr: HDFC Bank,
PayInstr: 231015672345,
PayTerm: Full,
PayInstrDt: 2025-10-28
}
Here, PayInstr is where your UPI reference ID goes — that’s the field most ERP and GST tools recognize when generating the final PDF.
If your POS auto-generates PDFs, just add a small Payment Reference block under the payment summary section:
Payment Mode: UPI
Reference ID: 231015672345
Bank: HDFC Bank
That’s all GST auditors need to trace the UPI transaction back through NPCI or the PSP.
Always check that:
This avoids junk data creeping into e-invoices or IRN rejections during filing.
When you push invoices to Tally, Zoho Books, or your ERP, include the same upi_ref_id field in your payment ledger. That keeps reconciliation super easy later, especially when you pull settlement reports from Razorpay, Cashfree, etc.
Related Question and Answers
Q:
A:
If your SaaS invoicing tool handles UPI payments for term deposit (FD) openings, you really need to monitor daily UPI inflows, both for compliance and to avoid hitting PSP caps.
It’s not about tracking each payment, it’s about spotting when total UPI volume or value starts spiking.
Here’s what to set up:
Trigger an alert when total UPI receipts for term deposits cross a set threshold (say ₹50 L or ₹1 Cr per day).
Why:
Banks and PSPs impose soft caps on total daily inflows for high-value UPI handles. Crossing that cap could delay settlements or block new payments.
Set a rule for when total number of UPI transactions jumps by, say, 30–50% vs. average.
Why:
A sudden increase could mean automation bugs (duplicate posting) or customer retries due to PSP failures.
Alert on any single UPI payment above ₹1.5L–₹2L.
Why:
UPI caps vary by bank, and if you’re receiving unusually large payments, that’s worth a quick check before settlement files bounce.
Every day, compare UPI Success count vs. UPI Settled count from NPCI files.
Alert if pending settlements > 5% of daily volume.
Why:
That usually means a mismatch in your ledger or delayed RRN posting.
Track UPI usage per partner bank or VPA (e.g., icicibank@upi, hdfcbank@upi).
Alert if:
Total inflows for any partner > 80% of their assigned daily limit.
That gives ops teams time to route new deposits via another partner.
Monitor sudden increases in reversed or refunded RRNs.
Why:
Could mean failed FD creations, PSP instability, or a problem with split payments.
If failure rate (failed RRNs ÷ total attempts) exceeds 10–15% in a day, alert finance + tech teams.
Why:
Might indicate PSP downtime or broken UPI intents.
Q:
A:
If your reconciliation tool is handling UPI collections for term deposit openings (FDs), you really want those payments tagged with the right purpose code — otherwise, your audit trail turns into spaghetti.
Here’s how to do it without overcomplicating your system:
When your system parses PSP or NPCI settlement files, include a column for purpose codes.
If you’re generating the UPI collect request yourself, you can also tag it in the payload (many gateways support this).
Example:
purpose_code: TDOP
Here, TDOP = Term Deposit Opening Payment.
Keep a lookup that maps product categories → purpose codes.
When reconciliation runs, match the incoming payment to the category (based on metadata or account it hit) and auto-assign the right code.
In your ledger entries, include the purpose code as a column or tag.
This lets auditors filter only FD-related receipts instantly.
When your reconciliation tool pushes data to your accounting package or GST e-invoice system, include the purpose code as part of the Payment
Details section:
Payment Mode: UPI
Purpose Code: TDOP (Term Deposit Opening)
UPI Ref ID: 324915674382
That gives traceability from PSP → ledger → GST filing.
If your reconciliation logic ever sees a UPI payment hit a Term Deposit account but no purpose code attached — flag it.
This catches untagged or misrouted collections early.
Q:
A:
Pull RRN from PSP → link to invoice → add to the Payment Details section in GST PDF → include it in the PayDet JSON block → handle split payments gracefully.
That way your reconciliation logs, GST filing, and audits all speak the same language the RRN.
Q:
A:
If your SaaS invoicing tool handles UPI payments for term deposit (FD) openings, you really need to monitor daily UPI inflows both for compliance and to avoid hitting PSP caps.
It’s not about tracking each payment it’s about spotting when total UPI volume or value starts spiking.
Here’s what to set up:
Trigger an alert when total UPI receipts for term deposits cross a set threshold (say ₹50 L or ₹1 Cr per day).
Why:
Banks and PSPs impose soft caps on total daily inflows for high-value UPI handles. Crossing that cap could delay settlements or block new payments.
Set a rule for when total number of UPI transactions jumps by, say, 30–50% vs. average.
Why:
A sudden increase could mean automation bugs (duplicate posting) or customer retries due to PSP failures.
Alert on any single UPI payment above ₹1.5L–₹2L.
Why:
UPI caps vary by bank, and if you’re receiving unusually large payments, that’s worth a quick check before settlement files bounce.
Every day, compare UPI Success count vs. UPI Settled count from NPCI files.
Alert if pending settlements > 5% of daily volume.
Why:
That usually means a mismatch in your ledger or delayed RRN posting.
Track UPI usage per partner bank or VPA (e.g., icicibank@upi, hdfcbank@upi).
Alert if:
Total inflows for any partner > 80% of their assigned daily limit.
That gives ops teams time to route new deposits via another partner.
Monitor sudden increases in reversed or refunded RRNs.
Why:
Could mean failed FD creations, PSP instability, or a problem with split payments.
If failure rate (failed RRNs ÷ total attempts) exceeds 10–15% in a day, alert finance + tech teams.
Why:
ight indicate PSP downtime or broken UPI intents.
Q:
A:
To test refunds and chargebacks for FD openings under new UPI caps:
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