How can subscription billing engine tag UPI collections for hospital bills with the correct purpose code to simplify audits?

When UPI caps are hit mid-checkout, the software should recommend debit/credit cards, net banking, and wallets as immediate fallback options.

It should also suggest bank transfer (IMPS/NEFT/RTGS) for high-value hospital bills.

The fallback choices must appear instantly with a clear reason for the UPI failure for user transparency

Configure a retry policy with exponential backoff and a max retry cap per payment; for example, 3-5 retries per UPI transaction.

Tie throttling with latency/timeout thresholds: when the UPI/acquirer p95 latency or error rate crosses a set value, automatically lower concurrency and increase backoff.

A circuit breaker that temporarily pauses new retries, pushes pending attempts into a queued job, and raises alerts to ops/finance.

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.

A marketplace platform can tag UPI collections by mapping each hospital service or booking type to predefined RBI purpose codes in its payment workflow.

The platform auto-inserts this code while generating the UPI payment request.

This ensures accurate transaction classification, making audits and compliance reporting faster and error-free.

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.