Most B2B importers and exporters search when the payment is already operationally painful: a supplier is chasing, a bank is asking questions, proof is missing, or money arrived short. Unicorn Currencies treats this as a triage desk — not a directory of links.
Built for B2B importers and exporters in Europe, the UK, the USA, Canada, and the UAE with recurring international supplier, customer, and treasury payment flows.
01
Choose this when: Payment may still be in transit, held for review, rejected, or at the receiving side without credit.
Supplier says international payment not receivedInternational wire transfer delayedBusiness wire transfer missing
02
Choose this when: Receiving bank cannot locate the payment from a sent confirmation alone — UETR, MT103, or PACS.008 may be required.
How to get MT103 from bankMT103 proof of payment for supplierSupplier asking for MT103
03
Choose this when: Bank is waiting for invoice, purpose, declaration, or trade explanation before release.
International payment delayed by compliance reviewBeneficiary bank asking for invoice before releasing fundsBank asking for purpose of payment
04
Choose this when: Funds may be near the receiving bank but cannot be applied because details, reference, or account data do not match.
Wrong beneficiary name on international wireBeneficiary name mismatch wire transferIncorrect IBAN international payment
05
Choose this when: Supplier received less than instructed — often intermediary charges, OUR/SHA/BEN routing, or FX difference.
International wire arrived shortSupplier received less than invoice amountIntermediary bank deducted fees from wire
06
Choose this when: Payment was duplicated, sent incorrectly, rejected, or needs to be stopped — time-sensitive and uncertain.
Recall international wire transferCan I recall a SWIFT paymentPayment sent to wrong account recall
07
Choose this when: Payment issue is blocking goods, supplier trust, or finance reconciliation — needs one owner and a proof pack.
Supplier threatening shipment because payment not receivedSupplier will not release goods until payment clearsCustoms or shipment delayed because supplier says unpaid
A payment inside the rail window is not the same as a payment nobody can locate. Cut-off times, weekends, and correspondent routing can delay credit without being a lost wire.
Proof that a payment was instructed does not prove the beneficiary bank has applied funds. The receiving side may still need searchable references before it can release or credit.
When a bank asks for an invoice or purpose, the payment may still be intact. The issue is usually matching the wire to a clear commercial event — not whether the sender debited the account.
Supplier chasing and shipment holds often start before any bank gives a usable status. One owner should control evidence, references, and the next request before anyone sends again.
Treasury support helps separate delay, hold, short-pay, proof, document, beneficiary, and recall situations before the team chases the wrong path.
Unicorn Currencies helps structure references, beneficiary details, invoice context, and bank messages so the next request is specific rather than generic follow-up.
The aim is a clear decision: wait inside the window, share documents, request trace, support escalation, coordinate amendment, or prepare a recall request — not repeat the same question.
Human treasury support helps keep finance, operations, and supplier communication aligned while the payment state is clarified. Unicorn Currencies does not control SWIFT, correspondent banks, beneficiary banks, or partner banks.
Unicorn Currencies helps organise the payment proof, references, beneficiary details, supplier messages, and timeline so the next action is clear. Depending on the payment state, that may mean waiting inside the rail window, requesting a trace, preparing a proof pack, supporting escalation, coordinating an amendment, or preparing a recall request. Unicorn Currencies does not control SWIFT, correspondent banks, beneficiary banks, or partner banks, and cannot guarantee recall, recovery, release, or bank action.
01
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 transit+10 more
02
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 received+11 more
03
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 payment+12 more
04
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 sent+6 more
05
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 short+6 more
06
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 process+6 more
07
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 supplier+6 more