What alerts should finance teams enable in payment gateway integration to watch daily aggregate UPI usage for hospital bills transactions?

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.

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.

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

Use purpose-code/MCC-driven GL mapping so vehicle down-payment UPI receipts post to the correct vehicle sales, deposit/escrow, tax and fee ledgers.

Add split-settlement rules to allocate down payment across dealer settlement, taxes, dealer commissions, and platform fees with parent→child UPI txn links.

Enforce NPCI/bank per-txn (₹5L) and daily (₹10L) cap checks before posting and flag over-limit receipts for manual review or auto-split.

Persist immutable UPI txn ID, purpose code, merchant verification flag, and parent/child links on every ledger entry to support reconciliation, refunds and audits.