PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

← Back to Transactions
Active Disputes (1):
CASE-1001Under Bank Review
View All Cases →
SYNTH-TX-107P2M (Merchant)Debited • Timeout HoldDO NOT RETRY

Croma Electronics [SYNTHETIC]

VPA: croma.retail@hdfcbank • Bank UTR: 908234120917

Initiated: 01 Oct 2026, 01:25 pm•Elapsed: 34 mins ago•Routing: Axis Bank → HDFC Bank
Transaction Amount₹8,499
Debited from Axis Bank

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_06_UNRESOLVED_DEBIT_TIMEOUT

Settlement Window Exceeded - Formal Action Required

Money was debited but unacknowledged. DO NOT RETRY. Eligible for auto-reversal.

What We Know

  • ₹8,499 debited from Axis Bank.
  • Transaction UTR: 908234120917
  • More than 34 minutes have elapsed since payment initiation.

What Remains Uncertain

  • Beneficiary confirmation was not received within the app cooling-off window.

Recommended Next Step

File Bank Dispute / Auto-Reversal Claim

The in-flight window has closed without positive credit confirmation. Under RBI guidelines, your bank must reverse the funds or provide confirmation.

Alternative Escalation: Query the switch one more time for delayed settlement flags.
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.

Applicable Statutory Regulatory Mandate

RBI Circular
RBI Harmonisation of Turn Around Time (TAT) and Customer Compensation (RBI/2019-20/67 DPSS.CO.PD No.629/02.01.014/2019-20)
Applicable Clause:Table 5(b) - UPI Person to Merchant (P2M): Debited but merchant confirmation not received
Mandated Auto-Reversal TAT:T + 5 Business Days (Auto-reversal by remitter bank)
Delay Compensation Policy:₹100 per calendar day of delay beyond T + 5 days
Important Distinction: Statutory TAT is an official regulatory banking deadline and does not promise immediate instantaneous refund. It is separate from the app’s 15-minute UX cooldown.

Multi-Party Telemetry Breakdown

4-Party Clearing Rails
1
Debited

Remitter Bank (Payer)

Axis Bank

Issuing bank holding user account

Confirmed funds deduction of ₹8,499 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

HDFC 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

Croma Electronics [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, 01:25 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹8,499 to Croma Electronics [SYNTHETIC]. Assigned UPI UTR 908234120917.

Type: P2M
Remitter Debit ConfirmedSynthetic Event
Source: Axis Bank

Account debited ₹8,499 by Axis Bank. 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 (34 mins elapsed).

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

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

beneficiaryCredit: UNKNOWN
Merchant Soundbox / Terminal LagSynthetic Event
Source: Croma Electronics [SYNTHETIC]

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

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

Settlement Window Exceeded - Formal Action Required

Rule: RULE_06_UNRESOLVED_DEBIT_TIMEOUT | safeToRetry: false