UPI error U09: ReqAuth time out for pay
Raised by: NPCI UPI switch. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
UPI waited for the payer's side to authorise the payment, the step where your app collects your PIN, and it didn't come back in time.
Usually not.
Technical: a system didn't respond or failed.
What you should do
Try again on a stable connection and enter your PIN promptly.
If you run a payments business
Often it's the payer's network. A user-initiated retry is fine. An automatic one isn't.
Related codes
If it still isn't sorted
- Raise a complaint inside your UPI app. Every UPI app has a help or dispute option on the transaction, and it goes into NPCI's online dispute system. Keep the UPI transaction ID or RRN handy.
- If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
- If your bank hasn't replied within 30 days, or you're not happy with the reply, complain to the RBI Ombudsman at cms.rbi.org.in. It's free.
Technical or business decline?
NPCI splits declines into two kinds. A technical decline means a system didn't respond or failed: a bank offline, a timeout, a switch error. A business decline means the systems worked and said no, for a reason about the account or the payment: wrong PIN, not enough money, a limit, a risk check. Retrying helps with some technical declines and almost never with business ones.