How can I open a PayPal account with an online bank?

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.

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.

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