How should our subscription billing engine validate category-wise UPI limits for mutual fund SIPs after the September 15, 2025 change?

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.

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.

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.

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.

Create sandbox test cases for full and partial refunds on UPI token payments both within and near the new cap (single and split transactions).

Simulate chargebacks/disputes from the acquirer and verify status updates, ledger reversals, and GST impact on the original token invoice.

Validate that cap logic is re-applied on re-tries / re-collections after refund, and that all UPI RRN + purpose codes flow correctly into logs and reports for audit.