What fallback payment methods should accounting package recommend for education fees when UPI caps are reached mid-checkout?

Create a new permission set that grants access only to the newly added CRM tabs.

Assign tab visibility = Default Off for all users and Default On only for specific roles or profiles.

Remove tab access from broad permission sets to keep visibility limited and role specific.

Capture the UPI reference ID (RRN or upi_txn_ref) from your PSP’s payment confirmation.

Map it to the PayRefNo field in the GST e-invoice JSON under PayDtls, then embed it in the PDF’s Payment Details section.

Display it clearly below the payment mode (UPI Reference ID: XXXXXXXX) for audit and reconciliation visibility.

First, ensure your billing engine captures the UPI transaction reference ID (UTR or UPI Ref ID) returned from the payment gateway or PSP. This field is usually available in the callback of the payment confirmation. For example, this may be provided under upi_txn_ref or bank_rrn. Store this ID in your payment records against the corresponding invoice or booking ID. Once stored, it can be dynamically inserted into the e-invoice generation workflow.

While generating the GST e-invoice JSON-just before PDF rendering-include UPI reference under the Payment Details section PayDtls as part of PayRefNo or as an extension field like AdditionalPaymentInfo. This will ensure that the UPI reference remains within the official invoice data being submitted to IRP. Once IRP has completed validation and generated the IRN, your system can retrieve it for populating the PDF version of the invoice.

In the GST e-invoice PDF format, include a separate section titled Payment Information or UPI Transaction Details at the bottom of the invoice, just below the payment summary or QR code. This should contain:

• Payment Mode: UPI
• UPI Reference ID: e.g. 1234567890@upi or UTR number
• Payment Date & Time: From payment confirmation timestamp
• Bank Name (Optional): Issuing or acquiring bank if available

If you’re embedding the dynamic QR code for compliance with GST—according to CBIC guidelines about B2C invoices—ensure that your UPI reference ID is not confused with the QR payment payload. The QR should contain standard invoice parameters, which include supplier GSTIN, IRN, and total amount, while the UPI reference appears as part of the payment confirmation details post-transaction.

Lastly, ensure that your billing engine exports these PDFs with tamper-proof metadata. Include digital signing or watermarking features to mark the invoice as IRP-validated and paid via UPI.

Finance teams should enable:

• Daily aggregate UPI usage alerts (to watch total collection volume).
• High-value UPI receipt alerts (to flag ₹1L+ transactions).
• Failure rate alerts (to detect PSP or network issues).
• Bank-wise cap alerts (to track per-bank UPI behavior).
• Settlement delay alerts (for pending high-value credits).

Together, these alerts keep your travel payments flow stable, give early warning before UPI caps hit, and make sure large transactions are tracked and reconciled properly, all without your finance team needing to manually dig through reports every day.

First, define a separate settlement rule for transactions above the UPI per-transaction cap (₹1 lakh in most cases). These payments now often flow through specialized high value UPI channels or staggered settlements (T+1 or T+2, depending on the PSP). So instead of grouping them with your daily UPI Regular settlements, your app should tag them as UPI High-Value Travel. This helps your backend match settlements accurately when they credit later than same-day batches.

Next, create a dedicated ledger account for high-value UPI receipts in your finance module. For example:

• Ledger Name: UPI Receipts – High Value Travel
• Type: Current Asset
• Offset Account: UPI Settlement Clearing

This keeps large-ticket travel transactions separate from smaller ones, which is crucial for audits and monthly reconciliation. It also helps identify how much of your daily inflows are tied to high-value bookings, a key compliance metric after the September 2025 rule change.

Your posting logic should also include split-settlement handling. When a customer’s total payment exceeds the per-transaction limit and is auto-split (say ₹2.5 lakh → three UPI transactions), your checkout should create child entries for each UPI receipt under one parent booking record. Each entry will carry its own UPI reference ID, PSP transaction ID, and status (e.g., completed, pending_settlement, failed). The parent record only flips to Paid once all tranches are settled and posted.

Another key update is to ensure your refund and reversal rules are mapped correctly. For instance, if a ₹1.2 lakh payment is refunded, your system should post the reversal against the UPI – High Value Travel ledger, not the standard one. This avoids misreporting refund volumes in regulatory or GST filings.

Finally, you’ll need to update your settlement variance checks. For high-value UPI receipts, small timing differences (like T+1 credit delays) are common. Your system should flag unsettled amounts automatically after 24 hours and post them under a temporary UPI Receipts – Pending ledger until the settlement confirmation arrives from the PSP.