How should our ERP finance module validate category-wise UPI limits for utility payments after the September 15, 2025 change?

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.

• Pre-check UPI cap: Before payment initiation, verify each SIP installment against the investor’s per-transaction UPI limit using the PSP or NPCI cap API.
• Auto-split logic: If the amount exceeds the cap, divide it into smaller tranches (e.g., INR 95,000 each) under the same SIP mandate ID.
• Sequential processing: Trigger the next UPI request only after confirmation of the previous one to prevent duplication.
• Unified reconciliation: Link all split RRNs under one SIP reference for settlement and audit tracking.

• Draft realistic meeting invites with benign-looking QR codes that point to a safe, monitored landing page (no real risk).
• Run the drill in scoped cohorts, log clicks/scans, and capture telemetry (who scanned, device, time, IP) for follow-up coaching.
• After the exercise, send tailored training to participants who scanned the QR (explain red flags: unexpected invites, mismatched domains, request for credentials).
• Report org-wide metrics (scan rate, repeat offenders, time-to-report) and repeat quarterly, adjusting difficulty and controls (link/QR scanning, MFA) as needed."

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.

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.