PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

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SYNTH-TX-111P2P (Personal)Failed (No Debit)Safe to Retry

Vikram Mehta (Splitwise) [SYNTHETIC]

VPA: vikram.m@paytm • Bank UTR: 908234120921

Initiated: 01 Oct 2026, 01:42 pm•Elapsed: 17 mins ago•Routing: State Bank of India → Paytm Payments Bank
Transaction Amount₹550
No Debit from account

Deterministic Recovery Guidance

Safe to RetryRule: RULE_08_DEFINITIVE_FAILURE_NO_DEBIT

Payment Failed - No Money Deducted

Your bank account was NOT debited. It is safe to retry.

What We Know

  • No money was debited from State Bank of India.
  • Transaction terminated without account charge.
  • Beneficiary received no funds.

What Remains Uncertain

All multi-party telemetry signals have been fully reconciled.

Recommended Next Step

Safe to Retry Payment

Because zero funds left your account, retrying will not create a double debit. You can try again or use another payment method.

Multi-Party Telemetry Breakdown

4-Party Clearing Rails
1
No Debit

Remitter Bank (Payer)

State Bank of India

Issuing bank holding user account

Account balance was not debited. Transaction rejected prior to account charge.

remitterDebit = NOT_DEBITED
2
Terminal Failure

NPCI UPI Switch

NPCI Central Network

National payment switch & router

Switch routed terminal failure code (e.g. limit exceeded, route rejected).

npciSwitch = FAILED
3
Not Credited

Beneficiary Bank

Paytm Payments Bank

Receiving bank holding payee account

Payee bank confirmed zero funds received or credited.

beneficiaryCredit = NOT_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, 01:42 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹550 to Vikram Mehta (Splitwise) [SYNTHETIC]. Assigned UPI UTR 908234120921.

Type: P2P
Debit Not ExecutedSynthetic Event
Source: State Bank of India

Remitter bank rejected transaction prior to debit (e.g. incorrect PIN or limit check). Zero funds removed.

remitterDebit: NOT_DEBITED
Switch Terminal Failure RecordedSynthetic Event
Source: NPCI UPI Central Switch

Switch terminated transfer due to network or beneficiary gateway rejection code.

npciSwitch: FAILED
Beneficiary Bank Reports No CreditSynthetic Event
Source: Paytm Payments Bank

Receiving bank verified that zero funds were deposited into beneficiary account.

beneficiaryCredit: NOT_CREDITED
Recovery Engine: DEFINITIVE_FAILURE_NO_DEBITSynthetic Event
Source: Payment Status Recovery Engine

Payment Failed - No Money Deducted

Rule: RULE_08_DEFINITIVE_FAILURE_NO_DEBIT | safeToRetry: true