PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

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SYNTH-TX-102P2P (Personal)Settled (Success)DO NOT RETRY

Rahul Sharma (P2P) [SYNTHETIC]

VPA: rahul.s@oksbi • Bank UTR: 908234120912

Initiated: 01 Oct 2026, 01:30 pm•Elapsed: 29 mins ago•Routing: State Bank of India → Axis Bank
Transaction Amount₹2,500
Debited from State Bank of India

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_01_DEFINITIVE_SUCCESS

Payment Successful

All systems confirmed settlement and completion.

What We Know

  • ₹2,500 debited from State Bank of India.
  • NPCI UPI Switch successfully routed the transfer.
  • Beneficiary bank (Axis Bank) confirmed receipt.
  • Beneficiary account credited.
  • Bank Reference (UTR): 908234120912

What Remains Uncertain

All multi-party telemetry signals have been fully reconciled.

Recommended Next Step

View Receipt

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Multi-Party Telemetry Breakdown

4-Party Clearing Rails
1
Debited

Remitter Bank (Payer)

State Bank of India

Issuing bank holding user account

Confirmed funds deduction of ₹2,500 from customer account.

remitterDebit = DEBITED
2
Success

NPCI UPI Switch

NPCI Central Network

National payment switch & router

Central UPI Switch processed and verified the transfer packet.

npciSwitch = SUCCESS
3
Credited

Beneficiary Bank

Axis Bank

Receiving bank holding payee account

Payee bank (Axis Bank) confirmed funds received and credited to account.

beneficiaryCredit = CREDITED
4
N/A (P2P Transfer)

Merchant POS / Soundbox

Not Applicable

Individual recipient

Person-to-person transfer; no merchant point-of-sale integration involved.

merchantOrder = NOT_APPLICABLE
* Multi-party signals modeled after UPI ISO 8583 / XML clearing protocol. 100% simulated synthetic telemetry.

Chronological Event Log

Multi-Party Event Timeline

Chronological sequence of synthetic network events and deterministic evaluation steps.

Recorded EventInferred State
Payment Request InitiatedSynthetic Event
01 Oct 2026, 01:30 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹2,500 to Rahul Sharma (P2P) [SYNTHETIC]. Assigned UPI UTR 908234120912.

Type: P2P
Remitter Debit ConfirmedSynthetic Event
Source: State Bank of India

Account debited ₹2,500 by State Bank of India. Debit authorization logged.

remitterDebit: DEBITED
NPCI Switch Routing SuccessfulSynthetic Event
Source: NPCI UPI Central Switch

Central switch received debit acknowledgment and routed settlement packet to beneficiary bank.

npciSwitch: SUCCESS
Beneficiary Bank Credit ConfirmedSynthetic Event
Source: Axis Bank

Beneficiary account credited by Axis Bank. Settlement completed.

beneficiaryCredit: CREDITED
Recovery Engine: DEFINITIVE_SUCCESSSynthetic Event
Source: Payment Status Recovery Engine

Payment Successful

Rule: RULE_01_DEFINITIVE_SUCCESS | safeToRetry: false