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Start by setting up a retry policy with exponential backoff. Instead of retrying UPI payment confirmations instantly, configure your reconciliation software to wait progressively longer between each retry, for example, retry after 5 seconds, then 15, then 30, and so on. This prevents overwhelming the UPI or PSP APIs when they’re already under load. Most modern reconciliation tools (or custom middleware) support backoff parameters in their API integration settings or through webhook retry policies.
Next, define a response time threshold that triggers throttling. Let’s say your normal UPI API response time is under 2 seconds. If it spikes beyond 5 seconds for more than 10% of calls, your system should automatically switch to a slow mode. In this mode, reduce concurrent retry threads (e.g., from 50 parallel calls down to 10) and queue new retry requests until the API latency returns to normal.
You should also implement smart retry categorization. Not all failed or delayed responses need retries. For example, a limit exceeded or invalid VPA error should be marked as a hard failure (no retry), while timeout or network error can be soft fails that qualify for throttled retries. This keeps your retry queue clean and focused on recoverable cases.
Another best practice is to add a circuit breaker. This is a safety switch that pauses all retries if UPI or PSP response failures exceed a threshold, say, more than 20% of all attempts in the last 5 minutes. Once the circuit breaker trips, the system waits a few minutes before resuming retries, preventing a flood of duplicate requests during an outage.
Finally, make sure your software sends alerts to the finance or ops team when throttling is triggered. A simple Slack or email notification like UPI API latency exceeded threshold, retry queue throttled helps teams monitor system health and coordinate with the payment gateway if needed.
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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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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Your ERP finance module can surface real-time messages about higher UPI payment limits for travel bookings by combining live payment gateway data with customer and transaction context. Since travel bookings often exceed standard UPI caps (₹1 lakh), showing these messages at the right moment helps prevent failed checkouts and improves conversion rates especially for high-value itineraries.
The first step is to integrate your ERP’s payment layer with the UPI PSP’s limit eligibility API (if available). This API can tell you whether a customer’s bank supports higher UPI limits for specific merchant categories like travel.
For example, if a user is booking a ₹1.5 lakh international flight, your system can check their bank’s UPI configuration in real time. If it returns a flag indicating High-value travel transaction eligible, your ERP can instantly display a banner saying something like:
Good news! Your bank supports higher UPI limits for travel bookings. You can complete this payment directly via UPI.
If the customer’s bank doesn’t allow it, your ERP can show a helpful fallback message such as:
Your bank’s UPI limit is ₹1 lakh per transaction. Try splitting the payment or using net banking for faster checkout.
To make this work, the ERP needs to maintain a bank-wise UPI limit matrix.
This is basically a lookup table (updated daily or weekly via PSP or NPCI data feeds) that lists UPI transaction caps for each bank and category like travel, education, or insurance. During checkout, the ERP compares the booking amount and bank details against this matrix and dynamically shows an eligibility message before the user confirms payment.
You can also use context-based messaging tied to user profiles. For instance, if a repeat corporate traveler often books high-value tickets, the ERP could proactively display a note like:
You’ve made large UPI payments with XYZ Bank before, your current booking qualifies for higher transaction limits.
On the UI side, the ERP should surface these messages right before payment confirmation (on the review screen) or after a failed attempt (suggesting eligible alternatives). To keep the experience seamless, use the same payment gateway APIs that handle retries or bank routing, so the system doesn’t need extra user input.
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Your finance team should enable alerts for:
These alerts give your team real-time visibility into UPI performance for travel bookings, helping them prevent payment disruptions, manage liquidity, and keep settlements smooth.
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In short, your billing software should:
This kind of split-payment automation keeps your travel UPI checkout seamless, even for high-value bookings that exceed standard UPI caps.
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