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Create a sandbox or staging environment with mock UPI transactions across three tiers: low-value, below ₹1 lakh; mid-value, ₹1–2 lakh; and high-value, above ₹2 lakh for eligible accounts. This will help you replicate the new limit tiers defined under the updated NPCI guidelines for travel. In each of these scenarios, verify if your gateway identifies the transaction appropriately as standard or high-value and applies the correct settlement and ledger posting logic.
Next, simulate a partial refund, say ₹20,000 on a booking of ₹1.2 lakh and full refund (the entire amount reversed). In both cases, check whether your gateway sends a Refund API call to the PSP with the correct original UPI reference ID (RRN) and whether the PSP processes it under the same UPI channel. Refunds for high-value UPI transactions post-September 2025 may not process in real time but usually go through a delayed credit window (T+1). Your system should be able to handle asynchronous refund confirmations and post interim entries like Refund Initiated – Pending Credit.
For chargebacks, use your PSP's dispute management sandbox to mock disputed transactions. For instance, test such scenarios as payment credited but booking is cancelled or duplicate charge. Verify your integration appropriately fetches dispute notifications via webhook or scheduled poll, it locks the corresponding ledger entry and posts a temporary reversal to a Chargeback – Under Review account. This avoids double reversals in case the customer’s refund later succeeds.
Also, check your UPI cap compliance logic on refunds. If the original transaction was over the base ₹1 lakh limit for the travel category (and was therefore processed via a high-value corridor), then your gateway should use that exact same high-value corridor in case of refunds - and not the standard corridor. Failure to do so will result in the PSP rejecting the refund or delayed settlement.
Finally, test your reporting and reconciliation layer. Chargebacks and refunds should appear as separate transaction types with an initial UPI reference, refund ID, and settlement date on your ERP or finance dashboard. Run daily reconciliation scripts to make that chargeback reversals pass through your ledger with no residual balances and that reimbursed amounts are appropriately subtracted from your merchant settlement reports.
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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