Audit Report

INC-1000 · TXN-458900

Investigation Report

Samadhan AI — Payment Operations

Report ID: RPT-INC-1000
Generated: 22/7/2026, 01:39:30

1. Incident Summary

Incident IDINC-1000
Transaction IDTXN-458900
Payment RailUPI
MerchantABC Electronics
CustomerNeha Iyer
Amount₹5,000
PriorityP1
StatusOpen

Customer debited but merchant not credited.

2. Timeline

  • 10:01Payment Initiated — UPI payment of ₹5,000 initiated by Neha Iyer
  • 10:02NPCI Response Timeout — Upstream acknowledgement not received within SLA
  • 10:03Retry Triggered — Automatic retry engaged
  • 10:04Retry Failed — Retry exceeded threshold
  • 10:05Settlement Pending — Queued for next settlement window

3. Root Cause

NPCI timeout occurred during settlement acknowledgement. Automatic retry exceeded retry threshold. Settlement queued for T+1 processing.

AI confidence: 78%

4. Evidence Reviewed

  • Settlement File
  • Gateway Response
  • Switch Logs
  • Reconciliation Report
  • Bank Response
  • Merchant Status

5. Resolution

Retry settlement via NPCI dispute resolution channel and notify merchant of T+1 credit.

Preventive: Increase NPCI timeout threshold to 45s for high-value UPI txns and enable circuit-breaker retry.

6. Approval

Prepared BySamadhan AI (Autonomous Agent)
Reviewed ByOps Analyst · Priya Deshpande
ApproverHead of Payment Operations · S. Krishnan
Timestamp22/7/2026, 01:39:30

This report was generated by Samadhan AI. All AI-derived conclusions have been reviewed against source evidence.