How should subscription billing engine export UPI reference IDs for travel bookings into our GST e-invoice PDF?

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.

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.

Finance teams should enable:

• Daily aggregate UPI usage alerts (to watch total collection volume).
• High-value UPI receipt alerts (to flag ₹1L+ transactions).
• Failure rate alerts (to detect PSP or network issues).
• Bank-wise cap alerts (to track per-bank UPI behavior).
• Settlement delay alerts (for pending high-value credits).

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.

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:

• Ledger Name: UPI Receipts – High Value Travel
• Type: Current Asset
• Offset Account: UPI Settlement Clearing

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.

To validate category-wise UPI limits post–September 15, 2025, your payment gateway integration should:

• Maintain an up-to-date category-to-limit mapping based on NPCI/PSP data.
• Perform pre-validation before every UPI request using that mapping.
• Use bank APIs to check eligibility for higher limits when applicable.
• Return clear structured responses to the ERP or app layer if a cap is hit.
• Log all validations for audit and compliance.

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.