Case CASE-2026-0704 · Incident INC-1000 · UPI Settlement Break
Evidence
8 files
Source: Razorpay Aggregator
Status: Analyzed
Cross-System Correlation
NPCI Switch
Reconciled with U69 timeout
Razorpay Gateway
3,421 events correlated
Internal Ledger
Suspense account open
Settlement Engine
Batch BATCH-2401 pending
Kafka Event Stream
4,210 events streamed
Core Banking
GL entries validated
Merchant Portal
1 open credit ticket
AI Investigation Engine
0%
Reading settlement report...
Comparing transaction IDs...
Matching settlement batches...
Comparing GL balances...
Checking retry history...
Correlating gateway logs...
Checking NPCI acknowledgements...
Building investigation timeline...
Generating recommendations...
Investigation Timeline
10:01Customer initiated UPI payment
TXN-458913 · ₹18,450 · ABC Electronics
10:02Gateway accepted request
Razorpay routed to NPCI
10:03NPCI timeout
U69 downstream unavailable · 30.1s
10:03Retry triggered
Automatic retry attempt 1
10:04Retry failed
Retry exceeded threshold
10:05Settlement queued
Rolled to T+1 window
10:12Merchant raised complaint
Ticket #4821 opened
10:14AI Investigation completed
Confidence 96% · 7 systems correlated
AI Findings
96%
Root Cause
NPCI U69 downstream timeout during settlement acknowledgement. Retry cascade exceeded threshold; batch queued for T+1. Root failure isolated to switch-to-NPCI leg between 10:02 and 10:04.
Business Impact
Affected Customers
128
Affected Merchants
8
Total Amount Impacted
₹12,45,000
Settlement Delay
T+1
Risk Level
High
Est. Resolution
< 2 hrs
Recommended Actions
Smart Resolution
Immediate
Retry settlement via NPCI dispute channel.
Short-Term
Notify merchant and customer of T+1 credit.
Long-Term
Increase NPCI timeout threshold to 45s.
Preventive
Enable intelligent retry policy with circuit-breaker.