UPI error code · Bank down
UPI error U90: Issuing bank delayed the payment
The payer's bank took longer than the UPI timeout to authorise. The app reports a bank technical issue.
Apps may show it as: “bank delayed”, “taking longer”
- Who declined it
- Payer's bank
- Type
- Bank down
- Money debited?
- Debit possible — check UTR
- Refund
- If debited: auto-reversal by T+1 / T+5
Is money deducted on UPI error U90?
Debit possible — check UTR. If debited: auto-reversal by 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 U90
Wait and check the UTR. If the bank is on NPCI's downtime list, retry later or use another linked account.
Shopkeepers: is U90 a problem with my QR?
Peak hours (10–11 am, salary week) produce clusters of U90/UT on specific banks.
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: BANK_TECHNICAL_ISSUE. Apps word codes differently, so if your bank describes U90 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)