Fix Stuck UPI Payments Automatically. Refund Customers Faster.
Every day, millions of people transfer money using UPI. When transactions get stuck, our software automatically compares bank records against central NPCI files in seconds, finds every stuck rupee, and refunds customers without manual spreadsheet work.
50–60 Lakh Daily Scale
Handles 5 to 6 Million daily transactions easily.
5-Parameter Detective Engine
Matches Ref #, Amount, Status, Cash, & Date.
Lightning-Fast Refunds
Money returned in hours instead of days.
Day 0–3 TAT Watcher
Countdown clock prevents RBI penalty fines.
Replacing Manual Excel Checks with Instant Software Intelligence
Every single day, thousands of UPI payments hit unexpected roadblocks: money gets deducted from the sender's account but never reaches the receiver, or network timeouts leave status unknown.
Currently, banks spend endless hours manually cross-checking giant Excel spreadsheets to find errors. Metrics Reconciliation automates this entire process: it cross-checks records in seconds, spots every mismatch, and tracks customer refunds until money is safely returned.
Instant NPCI Matching
Cross-checks bank records against NPCI files automatically.
Zero Human Errors
Eliminates manual spreadsheet cross-referencing mistakes.
Fast Reversals
Automated refund task dispatch to ops team queues.
RBI Compliance
Guarantees adherence to regulatory turnaround times.
Why Do UPI Payments Get Stuck?
A single UPI payment relies on three separate systems working together. If any connection drops, money gets trapped halfway.
Sender's Bank (Remitter)
Deducts cash from the customer's bank account when they initiate a payment order.
NPCI (Central Switch)
The central traffic manager that routes payments and balances money transfers between banks.
Receiver's Bank (Beneficiary)
Deposits the incoming cash into the recipient's bank account upon receiving signal.
Debited / Not Credited
Money leaves sender's account but fails to reach the receiver due to switch dropouts.
Network Timeouts
Bank server took too long to answer, leaving payment status unconfirmed in limbo.
Duplicate Deductions
System accidentally charged the customer twice for a single payment.
Missing Settlements
Money was paid out, but the bank hasn't received its cash transfer from NPCI yet.
Old Spreadsheet Way vs. New Automated Way
Shift your bank operations from manual spreadsheet checking to an automated, zero-error reconciliation pipeline.
Spreadsheet Bottlenecks & Delayed Refunds
- Bank staff manually open massive Excel files containing millions of rows.
- Manual cross-checking of Reference Numbers (RRN) leads to human errors and missed cases.
- Manual phone calls and email follow-ups delay customer refunds for days.
- High risk of missing strict regulator deadlines, resulting in RBI compliance fines.
Instant 5-Parameter Auto-Matching
- Bank staff easily drag-and-drop daily files into the system with automatic PGP decryption.
- Software matches millions of records in seconds across Ref #, Amount, Status, Cash, & Date.
- Action tickets created automatically, triggering customer refund reversals immediately.
- Real-time Day 0 to Day 3 countdown timers guarantee 100% adherence to RBI turnarounds.
End-to-End Data Flow Architecture
From morning file drag & drop to 5-parameter matching, refund reversal, and official bank audit reporting.
Multi-Source Ingestion
Bank staff upload settlement files with automatic format parsing.
- NPCI Daily Raw Files
- CBS Bank Core Logs
- Automated PGP Decryption
5-Param Auto-Match
Evaluates every record across 5 parameters with zero human error.
- RRN Ref Number
- Txn Amount & Cash
- Status & Date Checks
Flag Exceptions
Separates matched records and creates action tickets for stuck money.
- Debited / Not Credited
- Network Timeouts
- Auto Ticket Logging
Refund Reversal
Dispatches credit reversal commands directly to CBS for instant credit.
- Instant CBS Credit
- Same-Day Customer Refund
- Automated Remitter Action
Closure & Audit
Ticket closed and automatically logged into official audit reports.
- Zero RBI Penalties
- Full Immutable Audit
- Compliance MIS Exports
12 Core System Modules Explained Simply
Each module performs a specific job to make bank operations error-free, automated, and compliant.
File Management
INGESTIONDrag & drop daily payment files with built-in PGP decryption, format validation, and duplicate file prevention.
Transaction Repository
DATA VAULTDigital vault storing multi-year payment histories for instant RRN / UTR reference number searches.
Reconciliation Engine
CORE BRAINCore detective engine matching millions of records in seconds across 5 parameters with zero human error.
Exception Management
MISMATCHESAutomatically catches payment drops (debited but uncredited) and logs action tickets instantly.
Adjustment Management
NPCI ADJUSTMENTSTracks special financial debit/credit adjustments issued directly by NPCI with closure logging.
Reversal Management
REFUNDSManages customer refund workflows from initiation to final bank CBS confirmation and case closure.
Settlement Monitoring
CASH AUDITEnsures the bank actually received the exact total cash amount owed by NPCI for daily clearing.
TAT Clock Watcher
RBI SLACountdown watcher (Day 0 to Day 3) escalating unresolved cases to supervisors to avoid RBI fines.
Case Management System
TICKET STAGESTracks ticket stages: Open → Assigned → Under Investigation → Resolved → Closed.
Reports & Regulatory MIS
REPORTSGenerates instant daily, monthly, and audit compliance reports for bank managers & auditors.
Live Operational Dashboard
LIVE BIVisual screen showing real-time counters for Total Volume, Match Rates %, and Pending Refunds.
User Management & Security
SECURITYControls permissions so Admins, Operations, Supervisors, and Auditors only access permitted tools.
Day 0 to Day 3 Countdown: Preventing RBI Fines
Regulators (RBI & NPCI) require banks to refund stuck money within strict time limits. Our countdown clock keeps every issue on schedule.
Exception Created
Initial Ticket Logging
Mismatch detected instantly upon daily NPCI file upload and auto-assigned to operations team queue.
Reversal Pending
Ops Reminder Dispatched
Reversal initiation countdown active; automated reminder alerts sent to remitter bank operations staff.
Supervisor Escalation
Supervisor Priority Alert
Case auto-escalated to Nodal Supervisor dashboard priority list if reversal remains unconfirmed.
Urgent RBI Action
Mandatory Closure Trigger
Highest priority alert to prevent statutory compensation liability under RBI guidelines.
Tailored Access for 4 Key Banking Roles
Different bank team members get simplified screens tailored to their exact job responsibilities.
Administrator
Manages system rules, matching engine settings, security permissions, and master audit logs.
Operations Team
Drag-and-drops daily files, investigates stuck payment tickets, and initiates customer refunds.
Supervisor
Monitors Day 2 & 3 escalations, approves high-value financial adjustments, and oversees staff.
Auditor
Read-only access to view multi-year histories, historical exception logs, and compliance MIS exports.
Key Benefits for the Bank & Customers
Delivering speed, accuracy, cost savings, and complete peace of mind.
Daily Transactions
5 to 6 Million daily capacity.
Zero Error Accuracy
Eliminates manual mistakes.
Customer Refunds
Refunds in hours, not days.
RBI Penalties
Full SLA countdown compliance.
Common Questions About UPI Reconciliation
How does the 5-parameter matching engine work? ↓
Can the system scale to handle 50 to 60 Lakh transactions daily? ↓
How does the TAT Clock Watcher protect banks from RBI fines? ↓
Are encrypted PGP files supported during drag-and-drop upload? ↓
Automate Your UPI Matching & Eliminate SLA Compliance Risks
Schedule a live demonstration with our fintech engineering experts to see Metrics Reconciliation processing millions of records in real-time.