PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

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SYNTH-TX-103P2M (Merchant)Credited • POS DelayedDO NOT RETRY

Kaveri Supermarket [SYNTHETIC]

VPA: kaveristore@icici • Bank UTR: 908234120913

Initiated: 01 Oct 2026, 01:52 pm•Elapsed: 7 mins ago•Routing: Kotak Mahindra Bank → HDFC Bank
Transaction Amount₹1,420
Debited from Kotak Mahindra Bank

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_03_MERCHANT_SYNC_LAG

Money Credited to Merchant - Soundbox/POS Delayed

Do NOT pay again. The merchant’s bank has received your money.

What We Know

  • ₹1,420 was debited from Kotak Mahindra Bank.
  • NPCI Switch completed the routing.
  • Merchant’s bank (HDFC Bank) confirmed receipt of funds.
  • 12-digit UPI UTR: 908234120913

What Remains Uncertain

  • The merchant's counter terminal / soundbox has not refreshed its local order status yet.

Recommended Next Step

Show 12-Digit UTR to Merchant

Show this screen with UTR to the cashier. Funds have legally entered the merchant account. Do NOT make a second payment.

Alternative Escalation: If merchant refuses goods/services, record a dispute referencing this UTR.

Multi-Party Telemetry Breakdown

4-Party Clearing Rails
1
Debited

Remitter Bank (Payer)

Kotak Mahindra Bank

Issuing bank holding user account

Confirmed funds deduction of ₹1,420 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

HDFC Bank

Receiving bank holding payee account

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

beneficiaryCredit = CREDITED
4
Sync Delayed (Pending)

Merchant POS / Soundbox

Kaveri Supermarket [SYNTHETIC]

Aggregator / Counter billing terminal

Beneficiary bank received credit, but merchant soundbox/POS webhook has not refreshed.

merchantOrder = PENDING
* 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, 01:52 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹1,420 to Kaveri Supermarket [SYNTHETIC]. Assigned UPI UTR 908234120913.

Type: P2M
Remitter Debit ConfirmedSynthetic Event
Source: Kotak Mahindra Bank

Account debited ₹1,420 by Kotak Mahindra Bank. 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: HDFC Bank

Beneficiary account credited by HDFC Bank. Settlement completed.

beneficiaryCredit: CREDITED
Merchant Soundbox / Terminal LagSynthetic Event
Source: Kaveri Supermarket [SYNTHETIC]

Funds were credited to merchant bank, but the store soundbox/POS webhook is lagging.

merchantOrder: PENDING
Recovery Engine: CREDITED_MERCHANT_SYNC_LAGSynthetic Event
Source: Payment Status Recovery Engine

Money Credited to Merchant - Soundbox/POS Delayed

Rule: RULE_03_MERCHANT_SYNC_LAG | safeToRetry: false