UPI error code · VPA / request
UPI error U69: Collect / payment request expired
A collect request or intent timed out before the customer approved it. Nothing moved.
Apps may show it as: “expired”, “collect request”, “request expired”
- Who declined it
- Customer / PIN
- Type
- VPA / request
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error U69?
Usually not: U69 is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error U69
Send a fresh collect request or ask the customer to scan the QR again. Collect requests are typically valid only for a short window.
Shopkeepers: is U69 a problem with my QR?
Generate a new request; do not reuse an expired collect QR or intent.
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: PhonePe PG: Payment request expired; Zerodha: Collect Request Expired. Apps word codes differently, so if your bank describes U69 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)