PAYMENT STATUS RECOVERYUPI UNCERTAINTY ENGINE

Financial Clearinghouse Prototype • Multi-Party Telemetry

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SYNTH-TX-112P2M (Merchant)Telemetry ContradictionDO NOT RETRY

Reliance Digital [SYNTHETIC]

VPA: reliancedigital@icici • Bank UTR: 908234120922

Initiated: 01 Oct 2026, 01:38 pm•Elapsed: 21 mins ago•Routing: HDFC Bank → ICICI Bank
Transaction Amount₹14,999
Debited from HDFC Bank

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_02_CONTRADICTORY_ANOMALY

Conflicting Bank Responses Detected

Systems report inconsistent statuses. DO NOT PAY AGAIN.

What We Know

  • Remitter Bank (HDFC Bank) reports: DEBITED
  • NPCI Central Switch reports: FAILED
  • Beneficiary Bank (ICICI Bank) reports: CREDITED
  • Transaction Reference (UTR): 908234120922

What Remains Uncertain

  • Final state of funds settlement is disputed between the remitter and beneficiary switches.

Recommended Next Step

Do Not Pay Again - Safe Freeze

Because bank responses contradict each other, attempting another payment creates an acute risk of double-debit. A high-priority system dispute must be filed.

Alternative Escalation: Request updated status from central switch.

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

Telemetry Contradiction Detected Across Independent Systems

The remitter bank, central switch, and beneficiary bank have returned mutually incompatible signals (e.g. switch reported failure while beneficiary bank reported credit).

Why Retry is Blocked: Authorizing a second payment while bank balances are in conflict creates severe double-debit hazard. The recovery engine has enforced an immediate safe freeze.

1
Debited

Remitter Bank (Payer)

HDFC Bank

Issuing bank holding user account

Confirmed funds deduction of ₹14,999 from customer account.

remitterDebit = 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
Credited

Beneficiary Bank

ICICI Bank

Receiving bank holding payee account

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

beneficiaryCredit = CREDITED
4
Sync Delayed (Pending)

Merchant POS / Soundbox

Reliance Digital [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, 01:38 pm
Source: UPI Client App (Synthetic)

Initiated transfer of ₹14,999 to Reliance Digital [SYNTHETIC]. Assigned UPI UTR 908234120922.

Type: P2M
Remitter Debit ConfirmedSynthetic Event
Source: HDFC Bank

Account debited ₹14,999 by HDFC Bank. Debit authorization logged.

remitterDebit: 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 Credit ConfirmedSynthetic Event
Source: ICICI Bank

Beneficiary account credited by ICICI Bank. Settlement completed.

beneficiaryCredit: CREDITED
Merchant Soundbox / Terminal LagSynthetic Event
Source: Reliance Digital [SYNTHETIC]

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

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

Conflicting Bank Responses Detected

Rule: RULE_02_CONTRADICTORY_ANOMALY | safeToRetry: false