UPI error codes / U19
UPI response code

UPI error U19: Request authorisation declined

Official NPCI descriptionREQUEST AUTHORISATION IS DECLINED BUSINESS

Raised by: NPCI UPI switch. Source: NPCI, UPI Error and Response Codes v2.9, section 4.4, errors from the UPI service layer.

What it means

The payee PSP declined the request authorisation, for example while checking a collect request or the payee's details.

Was money deducted?

No. This decline happens before your account is debited.

When does the money come back?

Nothing to refund in the normal case. If a debit does show on your statement, the bank must reverse it by T+1 for a transfer to a person, or T+5 for a payment to a merchant.

Which side caused it?

NPCI's UPI switch.

Type of decline

Business: the systems worked and declined the payment.

If money left your account. Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the payment fails, the money must come back by the next working day (T+1) for a transfer to a person, or within T+5 days for a payment to a merchant. After that the bank owes you ₹100 for every day of delay.

What you should do

Check the UPI ID you are paying and try again. For a collect request, ask the requester to send a new one.

If you are a merchant, bank or PSP

The payee PSP said no at RespAuthDetails. Its error code will say why.

UPI error U19 kya hai?

U19 ka matlab hai receiver ke PSP ne authorisation mana kar di.

Related codes

U18ReqAuth acknowledgement not receivedU20Request authorisation timeoutU29Address resolution failedU69Collect expiredU95Aadhaar or IIN VPA disabled

If it still isn't sorted

  1. 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.
  2. If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
  3. 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.

See all 216 UPI error codes →