UPI error code · Timeout / network
UPI error U09: Request-auth timeout
The payer's app did not receive an authorisation acknowledgement in time (Reqauth timeout). The payment may sit in pending while banks reconcile.
Apps may show it as: “timeout”, “pending”, “reqauth”, “processing”
- Who declined it
- UPI app / PSP
- Type
- Timeout / network
- Money debited?
- If debited, auto-reversal applies
- Refund
- Pending → success or auto-reversal; RBI outer bound T+1 / T+5
Is money deducted on UPI error U09?
If debited, auto-reversal applies. Pending → success or auto-reversal; RBI outer bound T+1 / T+5. Copy the 12-digit UTR and do not pay the same bill again while it is pending.
If the bank SMS shows a debit but the payee was not paid, RBI requires auto-reversal by T+1 working day for transfers and T+5 for merchant payments, with ₹100 a day compensation after that. See the refund timelines.
How to fix UPI error U09
Do not retry the same amount until the first UTR shows Failed or the money is back. Check bank SMS, not only the app tile.
Shopkeepers: is U09 a problem with my QR?
Treat as pending. Ask the customer for the UTR and search your settlement list.
Never release goods on a green screenshot alone. Match the UTR in your bank SMS, ledger or soundbox.
If it keeps failing
- Open the failed payment in the app and copy the 12-digit UTR.
- Use Raise issue or Check status in the app first.
- Then call your bank with the UTR, amount and time. NPCI's UPI helpdesk is 1800-120-1740.
- After 30 days without a fix, complain on the RBI ombudsman portal, cms.rbi.org.in.
Related error codes
Last reviewed 26 August 2026. Meaning based on: Zerodha: Reqauth Time Out For Pay. Apps word codes differently, so if your bank describes U09 another way, trust the bank and keep the UTR.
Sources: PhonePe Payment Gateway error codes · Zerodha NPCI UPI reason codes · RBI TAT for failed UPI (DPSS.CO.PD No.629/02.01.014/2019-20)