PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

← Back to Transactions
SYNTH-TX-106P2P (Personal)Debited • In-FlightDO NOT RETRY

Sunil Kumar (Rent) [SYNTHETIC]

VPA: sunil.landlord@sbi • Bank UTR: 908234120916

Initiated: 01 Oct 2026, 01:55 pm•Elapsed: 4 mins ago•Routing: State Bank of India → Canara Bank
Transaction Amount₹18,000
Debited from State Bank of India

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_05_IN_FLIGHT_REMITTER_DEBITED

Money Debited - Banking Network Reconciling

DO NOT PAY AGAIN. Your account was debited; settlement is underway.

What We Know

  • ₹18,000 was debited from State Bank of India.
  • Bank Reference (UTR): 908234120916
  • Elapsed time: 4 minute(s).

What Remains Uncertain

  • Whether the central switch completed transfer to beneficiary bank or will initiate auto-reversal.

Recommended Next Step

Do Not Pay Again - Network Sync In Progress

Payment networks take up to 15 minutes to reconcile timed-out requests. If you retry now, you may be charged twice.

Alternative Escalation: You can raise a pre-filled ticket with your bank UTR.
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)

State Bank of India

Issuing bank holding user account

Confirmed funds deduction of ₹18,000 from customer account.

remitterDebit = DEBITED
2
Network Timeout

NPCI UPI Switch

NPCI Central Network

National payment switch & router

Switch session timed out during transit. Packet state is non-terminal / unresolved.

npciSwitch = TIMEOUT
3
Credit Pending / Unknown

Beneficiary Bank

Canara Bank

Receiving bank holding payee account

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

beneficiaryCredit = UNKNOWN
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, 01:55 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹18,000 to Sunil Kumar (Rent) [SYNTHETIC]. Assigned UPI UTR 908234120916.

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

Account debited ₹18,000 by State Bank of India. Debit authorization logged.

remitterDebit: DEBITED
Switch Network Timeout ObservedSynthetic Event
Source: NPCI UPI Central Switch

Network switch session timed out without a definitive terminal packet. In-flight reconciliation active (4 mins elapsed).

npciSwitch: TIMEOUT
Beneficiary Credit Pending / UnconfirmedInferred Observation
Source: Canara Bank

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

beneficiaryCredit: UNKNOWN
Recovery Engine: IN_FLIGHT_REMITTER_DEBITEDSynthetic Event
Source: Payment Status Recovery Engine

Money Debited - Banking Network Reconciling

Rule: RULE_05_IN_FLIGHT_REMITTER_DEBITED | safeToRetry: false