How can I release my payment on hold in PayPal?

To handle ₹5L UPI receipts for education fees properly:

• Update settlement caps to ₹5L per transaction.
• Add a dedicated ledger for high-value education UPI receipts.
• Use a clearing account until settlement confirmation.
• Adjust refund/reversal limits.
• Confirm your PSP supports the higher limit.

Do this, and your marketplace will stay compliant and your finance team won’t be pulling all-nighters during audit season.

To tag UPI collections cleanly in your ERP:

• Add EDU_FEES as purpose code in UPI payload
• Map it to your Tuition Fee Receipts ledger
• Print it on receipts / GST invoices
• Reconcile using purpose code filters
• Block untagged UPI transactions

That one line of metadata purpose_code: EDU_FEES saves hours of reconciliation chaos later.

To handle high-value UPI receipts right —

• Match by UPI reference, not amount
• Add separate High-Value UPI ledger
• Support split or delayed settlements
• Keep GST and audit traceability intact

Do those four things, and your finance team won’t have to manually fix ₹5L receipts every month-end.

If your POS (like a school’s front-desk billing or fee collection terminal) accepts UPI payments, you absolutely need to push the UPI Reference ID (RRN or UPI Txn ID) into the GST e-invoice PDF, both for audit and GST return matching.

Here’s the clean way to do it:

• Capture the right UPI field from the PSP

Every successful UPI payment response contains a unique reference ID, usually under one of these keys depending on your PSP:

upi_txn_id: 231015672345,

rrn: 324512378912,

txn_reference: HDFC12345UPI

Make sure your POS stores this value in your payment table alongside the invoice number, like:

invoice_no | payment_mode | upi_ref_id

FE2025-0923 | UPI | 231015672345

• Map it into the e-invoice JSON schema

The GST e-invoice format already has a section for Payment Details:

PaymentDet: {

PayMode: UPI, 

FinInsBr: HDFC Bank,

PayInstr: 231015672345,

PayTerm: Full,

PayInstrDt: 2025-10-28

}

Here, PayInstr is where your UPI reference ID goes — that’s the field most ERP and GST tools recognize when generating the final PDF.

• Modify your PDF template

If your POS auto-generates PDFs, just add a small Payment Reference block under the payment summary section:

Payment Mode: UPI

Reference ID: 231015672345

Bank: HDFC Bank

That’s all GST auditors need to trace the UPI transaction back through NPCI or the PSP.

• Validate before export

Always check that:

• The UPI ID is alphanumeric and 12–20 chars long
• The transaction status = SUCCESS
• It’s linked to the same invoice date

This avoids junk data creeping into e-invoices or IRN rejections during filing.

• Sync with your accounting / ERP

When you push invoices to Tally, Zoho Books, or your ERP, include the same upi_ref_id field in your payment ledger. That keeps reconciliation super easy later, especially when you pull settlement reports from Razorpay, Cashfree, etc.

If your reconciliation tool is handling UPI collections for term deposit openings (FDs), you really want those payments tagged with the right purpose code, otherwise, your audit trail turns into spaghetti.

Here’s how to do it without overcomplicating your system:

• Add a purpose code field to every incoming UPI transaction

When your system parses PSP or NPCI settlement files, include a column for purpose codes.

If you’re generating the UPI collect request yourself, you can also tag it in the payload (many gateways support this).

Example:

purpose_code: TDOP

Here, TDOP = Term Deposit Opening Payment.

• Maintain a small internal mapping table

Keep a lookup that maps product categories → purpose codes.

When reconciliation runs, match the incoming payment to the category (based on metadata or account it hit) and auto-assign the right code.

• Write it into your ledger and export files

In your ledger entries, include the purpose code as a column or tag.

This lets auditors filter only FD-related receipts instantly.

• Push the code to your GST and accounting exports

When your reconciliation tool pushes data to your accounting package or GST e-invoice system, include the purpose code as part of the Payment

Details section:

Payment Mode: UPI

Purpose Code: TDOP (Term Deposit Opening)

UPI Ref ID: 324915674382

That gives traceability from PSP → ledger → GST filing.

• Validate the tagging logic

If your reconciliation logic ever sees a UPI payment hit a Term Deposit account but no purpose code attached, flag it.

This catches untagged or misrouted collections early.

• Optional: send purpose code to PSP

Some PSPs (like RazorpayX, Cashfree, and PayU 2.0 APIs) now let you include a purpose field in your UPI collect/create call.

If supported, send purpose_code: TDOP, it’ll also show up in their settlement exports and make reconciliation even cleaner.