Payment Problems

Find the right path when an international business payment goes wrong.

Most businesses search at the moment the payment has already become operationally painful: a supplier is chasing, a bank is asking questions, proof is missing, or money arrived short. Start with the problem state.

85 business payment-problem paths covering missing wires, trace documents, compliance holds, beneficiary mismatches, short payments, recalls, and supplier-pressure situations.

Delayed, missing, or unclear payment status

Start here when your payment has left one side but nobody can clearly say whether it is still moving, held, rejected, or waiting on the receiving side.

Supplier says international payment not received International wire transfer delayed Business wire transfer missing SWIFT payment stuck in transit International payment not credited to beneficiary Payment left my bank but supplier has not received it Funds not showing in beneficiary account Overseas supplier says bank cannot find payment International bank transfer pending for more than 5 days SWIFT transfer stuck at intermediary bank Payment stuck at beneficiary bank Payment accepted but not credited SWIFT GPI accepted settlement in progress Payment completed but beneficiary says not received

Proof, trace, MT103, PACS.008, and UETR

Use these pages when your supplier, bank, or finance team needs proof that can actually locate a payment, not just a screen saying it was sent.

How to get MT103 from bank MT103 proof of payment for supplier Supplier asking for MT103 MT103 shows payment sent but funds not received What is UETR in SWIFT payment How to trace a SWIFT payment with UETR Bank asking for UETR number Payment trace request for international wire SWIFT GPI tracking status meaning PACS.008 proof of payment MT103 vs PACS.008 Field 121 UETR in MT103 SWIFT payment investigation request Sender bank reference vs UETR Payment confirmation not proof of receipt

Invoice, purpose, declaration, and release-document holds

Start here when the bank is waiting for an invoice, purpose of payment, sender letter, declaration, or trade explanation before it releases the funds.

International payment delayed by compliance review Beneficiary bank asking for invoice before releasing funds Bank asking for purpose of payment Bank asking for source of funds for international payment Bank asking for contract before crediting wire Bank asking for supplier invoice for wire transfer Inward remittance held for compliance documents Receiving bank asking for business relationship proof Bank asking why payment amount was sent Payment held due to missing remittance information Bank asking for sender declaration Bank asking for sender letter Compliance hold on international wire transfer OFAC or sanctions screening delay on USD payment Beneficiary bank review of incoming funds Payment held for purpose code

Beneficiary-bank holds, mismatches, IBAN, SWIFT, and amendments

Use these pages when the payment may have reached the receiving side but has not been applied because the beneficiary bank cannot match, release, or repair it.

Wrong beneficiary name on international wire Beneficiary name mismatch wire transfer Incorrect IBAN international payment Wrong SWIFT/BIC code payment sent Payment sent to wrong beneficiary account International wire amendment request Bank needs beneficiary details to release payment GPI status beneficiary details needed Payment rejected due to account name mismatch Supplier bank says beneficiary details are incorrect

Short payments, intermediary deductions, OUR, SHA, and BEN

Start here when your supplier received less than the invoice amount or the landed amount does not match what your team expected.

International wire arrived short Supplier received less than invoice amount Intermediary bank deducted fees from wire OUR payment still arrived short SHA charges caused short payment BEN charges deducted from principal Correspondent bank fees on supplier payment Receiving bank deducted incoming wire fee FX conversion reduced received amount Payment arrived short due to intermediary bank

Recall, return, rejection, duplicate payment, and stop requests

Use these pages when you need to stop, recover, recall, or understand a payment that was sent incorrectly, rejected, duplicated, or returned.

Recall international wire transfer Can I recall a SWIFT payment Payment sent to wrong account recall SWIFT payment recall process International wire return request Payment rejected by beneficiary bank Returned international wire fees Duplicate international payment recall Fraudulent wire recall international Stop and recall SWIFT GPI payment

Supplier pressure, shipment release, and reconciliation problems

Start here when the payment issue has become a commercial problem: a supplier is holding goods, your team cannot reconcile, or the payment reference is not enough to keep operations moving.

Supplier threatening shipment because payment not received Supplier will not release goods until payment clears Customs or shipment delayed because supplier says unpaid Proof of payment not accepted by supplier Bank and supplier blaming each other for missing wire Finance team cannot reconcile incoming international payment Invoice reference missing from international wire Payment reference not passed to beneficiary Who can trace an international business payment How to prove supplier was paid internationally

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