Which settlement and ledger rules in payment gateway integration must be updated to post high-value vehicle down payments UPI receipts correctly?

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.

Maintain a category→limit table for UTILITY_PAYMENTS (per-txn + daily caps) and tag each payment with that category before intent creation.

Pre-validate: reject or auto-split if amount > perTxnLimit and check (today_inflow_for_category + amount) ≤ dailyAggregateLimit per VPA/merchant.

Call PSP/NPCI eligibility APIs for bank-specific overrides when available, then record RRNs and update daily counters after settlement for audit and reconciliation.

Maintain a category-limit matrix defining UPI caps for “Vehicle Down Payments” per NPCI and bank rules. Pre-validate each payment against per-transaction and daily caps before initiating the UPI intent. Call PSP/NPCI APIs for real-time bank-specific limit eligibility when available. Handle exceedances by auto-splitting payments or suggesting fallback methods like RTGS or NetBanking.

Simulate refunds in a sandbox using sample SIP UPI RRNs—test both partial and full reversals within new cap limits.

Validate routing so refunds use the same UPI corridor (standard or high-value) as the original transaction.

Test chargeback flows by triggering dispute cases from the PSP sandbox and ensuring ledger reversals post correctly.

Reconcile results to confirm refund amounts match PSP confirmations and update SIP transaction history accurately.

• 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.