PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

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SYNTH-TX-104P2M (Merchant)In-Flight • SettlingDO NOT RETRY

Swiggy Food [SYNTHETIC]

VPA: swiggyorders@yesbank • Bank UTR: 908234120914

Initiated: 01 Oct 2026, 01:56 pm•Elapsed: 3 mins ago•Routing: ICICI Bank → Yes Bank
Transaction Amount₹680
Debited from ICICI Bank

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_04_IN_FLIGHT_SWITCH_ACCEPTED

Payment Accepted by Switch - Settling with Payee Bank

The transfer is actively completing. Do not retry.

What We Know

  • ₹680 debited from ICICI Bank.
  • NPCI Switch validated the transaction as Deemed Success.
  • Elapsed time: 3 minute(s).

What Remains Uncertain

  • Final credit confirmation from Yes Bank is pending.

Recommended Next Step

Wait for Payee Bank Confirmation

The UPI switch has accepted the transfer. The payee bank typically reconciles within minutes. Retrying now will cause a duplicate debit.

App Cooling-Off Window (Product Design Threshold) (15 minutes): Client-side synchronization window allowing banking networks to reconcile before prompting dispute escalation. This is a product UX decision and NOT an RBI regulatory requirement.

Multi-Party Telemetry Breakdown

4-Party Clearing Rails
1
Debited

Remitter Bank (Payer)

ICICI Bank

Issuing bank holding user account

Confirmed funds deduction of ₹680 from customer account.

remitterDebit = DEBITED
2
Deemed Success

NPCI UPI Switch

NPCI Central Network

National payment switch & router

Switch accepted debit from remitter; awaiting final settlement ack from payee bank.

npciSwitch = DEEMED_SUCCESS
3
Credit Pending / Unknown

Beneficiary Bank

Yes Bank

Receiving bank holding payee account

Payee bank has not yet posted credit confirmation to the central switch.

beneficiaryCredit = UNKNOWN
4
Sync Delayed (Pending)

Merchant POS / Soundbox

Swiggy Food [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, 01:56 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹680 to Swiggy Food [SYNTHETIC]. Assigned UPI UTR 908234120914.

Type: P2M
Remitter Debit ConfirmedSynthetic Event
Source: ICICI Bank

Account debited ₹680 by ICICI Bank. Debit authorization logged.

remitterDebit: DEBITED
Switch Recorded Deemed SuccessSynthetic Event
Source: NPCI UPI Central Switch

Switch debited remitter account and forwarded to beneficiary bank; awaiting final credit completion ACK.

npciSwitch: DEEMED_SUCCESS
Beneficiary Credit Pending / UnconfirmedInferred Observation
Source: Yes Bank

Final credit settlement has not yet been acknowledged by Yes Bank.

beneficiaryCredit: UNKNOWN
Merchant Soundbox / Terminal LagSynthetic Event
Source: Swiggy Food [SYNTHETIC]

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

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

Payment Accepted by Switch - Settling with Payee Bank

Rule: RULE_04_IN_FLIGHT_SWITCH_ACCEPTED | safeToRetry: false