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```python
# AI Dev Tool: UPI Payment Gateway API Integration Wrapper
# Description: A production-ready API integration wrapper for UPI payment gateways
# Author: [Your Name]

import os
import requests
from dotenv import load_dotenv
from typing import Dict, Any

# Load environment variables from .env file
load_dotenv()

# Define UPI payment gateway API endpoints
UPI_PAYMENT_GATEWAY_API_URL = os.getenv("UPI_PAYMENT_GATEWAY_API_URL")
UPI_PAYMENT_GATEWAY_API_KEY = os.getenv("UPI_PAYMENT_GATEWAY_API_KEY")

def initiate_upi_transaction(amount: float, merchant_id: str, transaction_id: str) -> Dict[str, Any]:
    """
    Initiate a UPI transaction.

Args:
    - amount (float): The transaction amount.
    - merchant_id (str): The merchant ID.
    - transaction_id (str): The transaction ID.

Returns:
    - A dictionary containing the transaction response.
    """
    try:
        # Set API request headers
        headers = {
            "Content-Type": "application/json",
            "Authorization": f"Bearer {UPI_PAYMENT_GATEWAY_API_KEY}"
        }

# Set API request payload
        payload = {
            "amount": amount,

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