What are some international gateways to accept payment without OTP?

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.

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.

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.