1 Answers
A:
Test full, partial, and split-payment refunds to ensure each maps correctly to the parent/child UPI txn IDs and retains the mutual-fund purpose code.
Simulate PSP/bank outcomes (success, partial, failure) and verify ledger reversals, SIP mandate updates, and NAV adjustments.
Run chargeback scenarios to confirm disputes attach to the original SIP debit chain without breaking cap logic.
Validate reconciliation so refunded amounts match settlement files and never exceed NPCI daily limits.
Related Question and Answers
Q:
A:
Configure the engine to map real estate token plans/charges to the correct RBI/NPCI UPI purpose code in its product/payment settings.
When generating the UPI intent/collect request, auto-attach this purpose code into the transaction metadata sent to the PSP/gateway.
Persist the tagged code on the invoice, payment record, and settlement entries, and expose it in exports/reports to simplify audits and regulatory checks.
Q:
A:
At the time of initiation, the engine should check the transaction category and amount against a real-time UPI limit master for Real Estate Token payments.
If eligible for a higher cap, it should show a dynamic in-app/checkout message confirming the enhanced limit before UPI intent creation.
This check for eligibility needs to be API-driven, configuration-controlled, and audit-logged for compliance.
Q:
A:
Enable daily aggregate threshold alerts when total UPI collections for real estate tokens approach or cross RBI/NPCI caps.
Set project-wise and gateway-wise volume alerts to detect abnormal concentration of payments.
Configure exception alerts for sudden spikes, high failure rates, or reversal-heavy days for immediate finance review.
Q:
A:
Set a retry policy with exponential backoff and a strict max retry count per UPI token transaction (e.g., 3–5 retries).
Drive throttling from p95 latency, timeout, and error-rate metrics from the gateway/UPI PSP, when thresholds breach, auto-reduce parallel calls.
Add a circuit breaker that temporarily blocks new retries, queues pending requests, and raises alerts to ops/finance until latency stabilises.
Q:
A:
The POS should, at payment initiation, check the transaction type and amount against a real-time UPI limit table for real estate token payments.
If eligible, it must display an on-screen banner/toast saying the payment qualifies for an enhanced UPI cap before the customer confirms.
This decision and message should be driven by config/API flags and logged with the transaction for audit.
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