1 Answers
A:
Create a separate high-value UPI clearing ledger so EMI payments above the standard cap don’t mix with normal UPI inflows.
Post each tranche (if split) with its own RRN into this clearing account and move funds to Loan EMI Collections – Bank only after PSP settlement is confirmed.
Map category = LOAN/EMI so revenue and reconciliation reports separate high-value EMIs.
Ensure refunds/chargebacks reverse against the same high-value clearing ledger for clean audits
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:
Use idempotency keys plus a strict retry cap (e.g., max 3 retries on timeouts/5xx only) so duplicate hospital debits can’t occur.
Apply exponential backoff with jitter + a circuit breaker that opens on high latency/error rates and routes retries into a delayed queue.
Enforce per-hospital and global concurrency limits, queuing excess requests with a short TTL tied to the original invoice/mandate.
Log every retry decision and expose metrics/alerts (retry count, success-after-retry, circuit state) so ops can tune thresholds safely.
Q:
A:
Enable a daily aggregate cap alert when hospital-bill UPI receipts approach the category’s ₹10L per-day limit.
Add a high-value transaction alert for bills nearing the ₹5L per-transaction cap.
Use an unmapped-purpose/MCC alert to flag hospital payments missing the correct healthcare code.
Enable a settlement mismatch alert when UPI collections don’t reconcile with hospital invoices or gateway settlements.
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
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