How do I integrate PayTabs for multiple sellers and vendors in Magento 2?

When UPI caps are hit, your platform should:

• Detect the cap automatically.
• Suggest NetBanking, Card, or Split UPI.
• Retry intelligently with smaller amounts.
• Offer EMI or payment links for bigger fees.
• Explain the reason clearly in-app.

That combo keeps your checkout smooth and prevents frustrated parents from calling the finance desk because UPI didn’t work again.

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 export UPI reference IDs for education fees into your GST e-invoice PDF, the payment gateway integration must capture the unique 12-digit UPI Transaction Reference (UTR) and include it in the e-invoice JSON data under the PayDtls section, specifically in the PayRefNo field. This information will then be embedded in the signed QR code generated by the IRP and can be displayed on the final PDF.

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.