1 Answers
A:
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.
Related Question and Answers
Q:
A:
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.
Q:
A:
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.
Q:
A:
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.
Q:
A:
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.
Q:
A:
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
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