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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:
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.
Related Question and Answers
Q:
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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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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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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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To validate category-wise UPI limits post–September 15, 2025, your payment gateway integration should:
This setup ensures your gateway handles UPI caps intelligently, preventing failed payments, guiding users transparently, and staying fully compliant with the new NPCI category-wise transaction rules.
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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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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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