Hub · Payment problems
When the payment does not land cleanly.
Start with the problem family, then open the specific page that matches what your supplier, bank, or finance team is asking for.
Triage by failure mode, then open the matching page
Name the failure mode
Delayed, held, short-paid, recalled, or unproven payments need different evidence and next steps.
Gather the right proof
References, MT103/PACS context, invoices, and beneficiary details decide whether chase becomes a trace.
Avoid useless escalation
Repeating “where is my money?” without a structured pack wastes the rail window and the desk.
Own the next action
Each page ends with what to do next—wait, amend, document, recall, or escalate with evidence.
14 PAGES
Delay or unknown 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 receivedInternational wire transfer delayedBusiness wire transfer missingSWIFT payment stuck in transitInternational payment not credited to beneficiaryPayment left my bank but supplier has not received itFunds not showing in beneficiary accountOverseas supplier says bank cannot find paymentInternational bank transfer pending for more than 5 daysSWIFT transfer stuck at intermediary bankPayment stuck at beneficiary bankPayment accepted but not creditedSWIFT GPI accepted settlement in progressPayment completed but beneficiary says not received
15 PAGES
Proof, trace, and payment messages
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 bankMT103 proof of payment for supplierSupplier asking for MT103MT103 shows payment sent but funds not receivedWhat is UETR in SWIFT paymentHow to trace a SWIFT payment with UETRBank asking for UETR numberPayment trace request for international wireSWIFT GPI tracking status meaningPACS.008 proof of paymentMT103 vs PACS.008Field 121 UETR in MT103SWIFT payment investigation requestSender bank reference vs UETRPayment confirmation not proof of receipt
16 PAGES
Document hold
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 reviewBeneficiary bank asking for invoice before releasing fundsBank asking for purpose of paymentBank asking for source of funds for international paymentBank asking for contract before crediting wireBank asking for supplier invoice for wire transferInward remittance held for compliance documentsReceiving bank asking for business relationship proofBank asking why payment amount was sentPayment held due to missing remittance informationBank asking for sender declarationBank asking for sender letterCompliance hold on international wire transferOFAC or sanctions screening delay on USD paymentBeneficiary bank review of incoming fundsPayment held for purpose code
10 PAGES
Beneficiary-side hold
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 wireBeneficiary name mismatch wire transferIncorrect IBAN international paymentWrong SWIFT/BIC code payment sentPayment sent to wrong beneficiary accountInternational wire amendment requestBank needs beneficiary details to release paymentGPI status beneficiary details neededPayment rejected due to account name mismatchSupplier bank says beneficiary details are incorrect
10 PAGES
Short-paid or deducted
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 shortSupplier received less than invoice amountIntermediary bank deducted fees from wireOUR payment still arrived shortSHA charges caused short paymentBEN charges deducted from principalCorrespondent bank fees on supplier paymentReceiving bank deducted incoming wire feeFX conversion reduced received amountPayment arrived short due to intermediary bank
10 PAGES
Recall or recovery
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 transferCan I recall a SWIFT paymentPayment sent to wrong account recallSWIFT payment recall processInternational wire return requestPayment rejected by beneficiary bankReturned international wire feesDuplicate international payment recallFraudulent wire recall internationalStop and recall SWIFT GPI payment
10 PAGES
Supplier or reconciliation pressure
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 receivedSupplier will not release goods until payment clearsCustoms or shipment delayed because supplier says unpaidProof of payment not accepted by supplierBank and supplier blaming each other for missing wireFinance team cannot reconcile incoming international paymentInvoice reference missing from international wirePayment reference not passed to beneficiaryWho can trace an international business paymentHow to prove supplier was paid internationally
Unicorn Currencies does not control SWIFT, correspondent banks, beneficiary banks, or partner banks, and cannot guarantee recall, recovery, release, or bank action. Timelines and outcomes depend on the rail, jurisdiction, and banks involved.