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When reconciliation software handles education fee payments via UPI, it should be smart enough to catch when a transaction bumps into the UPI cap limit mid-checkout, which is often ₹1 lakh per transaction (though some banks allow up to ₹5 lakh for education-related payments). Instead of letting the transaction fail and frustrate the user, the software should automatically recommend fallback payment methods that help complete the payment seamlessly.
The first and most reliable fallback is NetBanking (IMPS/NEFT/RTGS). Since education fee payments are usually large and time-sensitive, NetBanking provides a stable, high-limit option without the per-transaction cap issue UPI has. The software can automatically detect the limit exceeded error and show a message like, Your bank’s UPI limit has been reached and continue with NetBanking for faster processing. This kind of smart redirect keeps users in the flow instead of forcing them to restart the payment.
The second fallback should be debit or credit cards. Many PSPs and banks support large one-time transactions on cards, and some institutions even offer education-specific card payment gateways with EMI options. Your reconciliation system should integrate with these gateways and automatically switch the user to the card payment screen when UPI fails due to cap limits.
A third option is to enable split UPI payments, where the reconciliation software intelligently divides a large amount into multiple UPI transactions under a single invoice ID. For example, a ₹2 lakh fee payment could be automatically split into two ₹1 lakh UPI transactions, each linked to the same student reference. This keeps the process compliant while ensuring the total fee is received.
You could also offer payment links or QR codes as a fallback. When a UPI transaction fails mid-checkout, the system can generate a secondary link for the remaining balance, allowing parents to complete payment later via NetBanking or card without losing the transaction reference.
Finally, your reconciliation software should communicate clearly. A short message like, UPI transaction limit reached, try NetBanking or card for higher limits can prevent confusion and reduce payment drop-offs.
Related Question and Answers
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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.
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Tag each UPI transaction with the NPCI-approved purpose code TRVL when creating the payment request via your PSP API.
Store this code in your transaction metadata and ledger entries for each booking.
This ensures easy audit mapping and category-wise GST or settlement reporting for travel payments.
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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.
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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:
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.
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Finance teams should enable:
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.
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