1 Answers
A:
Use latency-based throttling: slow retry dispatch in the ERP queue if UPI API response times exceed your threshold (e.g., >2s for 10%+ calls).
Retry just timeout or network failures and use exponential backoff (5s → 15s → 45s).
After multiple unsuccessful attempts, activate a circuit breaker to halt new UPI attempts and reveal backup options such as RTGS/NetBanking.
To help operations keep an eye on PSP instability, log throttle events.
Related Question and Answers
Q:
A:
The accounting package should query the mapped hospital category and current RBI/NPCI limit table in real time at payment initiation.
If eligible for higher limits, it should display a dynamic in-app and checkout banner message confirming the enhanced cap.
This message must be API-driven and audit-logged to ensure regulatory traceability.
Q:
A:
Check the bill’s hospital/healthcare MCC or purpose code and confirm the hospital is NPCI-verified for high-value UPI.
Validate the payable amount against the applicable per-transaction and daily caps before showing eligibility.
Confirm via the gateway/PSP pre-auth response that the high-limit category is accepted.
Show a higher-limit eligible banner only after all checks pass and log the validation for audit.
Q:
A:
Use a purpose-code mapper that assigns the correct automotive/vehicle MCC based on the product (car, bike, commercial vehicle).
Embed this purpose code in the UPI collect/debit payload so the gateway logs it correctly.
Store the purpose code + UPI txn ID in the reconciliation ledger for audit and settlement matching.
Block UPI initiation if a down payment lacks a mapped purpose code
Q:
A:
Use purpose-code/MCC-driven GL mapping so vehicle down-payment UPI receipts post to the correct vehicle sales, deposit/escrow, tax and fee ledgers.
Add split-settlement rules to allocate down payment across dealer settlement, taxes, dealer commissions, and platform fees with parent→child UPI txn links.
Enforce NPCI/bank per-txn (₹5L) and daily (₹10L) cap checks before posting and flag over-limit receipts for manual review or auto-split.
Persist immutable UPI txn ID, purpose code, merchant verification flag, and parent/child links on every ledger entry to support reconciliation, refunds and audits.
Q:
A:
Integrate the ERP finance module with the PSP/NPCI UPI limit-eligibility API and tag each payment as EVENT_TICKETING before the check.
If the API returns higher-limit support for the customer’s bank, show a banner like Your bank supports higher UPI limits for ticket purchases, up to ₹X available.
Cache eligibility results per bank for a few hours and fall back to standard-limit messaging when no enhanced limit is returned.
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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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