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This can be achieved by setting a threshold for the response time at your UPI integration layer. Typically, UPI payment APIs respond within 2-3 seconds.
Now, set a threshold-say, 5 seconds-where if more than a certain percentage, say 10%, of API calls exceed that time, your system automatically switches into throttle mode. During throttle mode, it reduces how frequently the software retries failed confirmations or pending status checks. For instance, instead of retrying every 5 seconds, it switches to 15 or 30 seconds between retries.
Next, use exponential backoff for retries. This is to say that each retry waits successively longer than the last, 5 seconds, then 10, then 20, etc. It's a simple but effective strategy to prevent your system from hammering the UPI gateway when it's already under load. Most of the payment SDKs or webhook processors support configurable backoff parameters.
You should also implement smart retry categorization. Not every failure deserves a retry. For example, if UPI API returned errors like invalid VPA, account blocked, or limit exceeded, those should be marked as hard fails - no retry needed. But if the error is related to timeout or network unavailable, those should go into your retry queue and get throttled gradually.
Adding a circuit breaker is another smart move. In the case of more than 20% of all the UPI requests failing within a five-minute window, your billing software should automatically pause retries for a few minutes. This prevents cascading failures and gives the PSP time to recover.
You can also configure queue prioritization. For instance, prioritize retries for smaller ticket bookings or in-transit travel payments and defer large package payments temporarily. This way, the smaller transactions would keep flowing smoothly even when the UPI network becomes slow.
Last but not least, allow real-time notifications when throttling kicks in for your finance or devops team. A simple Slack or email notification like UPI retry throttling triggered due to high latency (avg: 6.2s) helps your team monitor performance and coordinate with your payment provider.
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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Techjockey’s software industry experts offer advice for educational and informational purposes only. A category or product query or issue posted, created, or compiled by Techjockey is not meant to replace your independent judgment.
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