How can ERP finance module tag UPI collections for club memberships with the correct purpose code to simplify audits?

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.

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.

Use idempotency keys + a strict retry cap (e.g., max 3 retries on timeouts/5xx only) so duplicate UPI debits can’t occur.

Apply exponential backoff with jitter and a circuit breaker that opens on high latency/error rates, pushing retries to a delayed queue.

Enforce per-hospital and global concurrency limits, queuing excess requests with a short TTL and linking them to the original txn.

Log every retry decision and expose metrics/alerts (retry count, latency, circuit state) so ops can safely tune thresholds.

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.

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.