You are in the right place when the beneficiary bank wants an invoice before releasing funds. The payment may already be at the receiving bank — the hold is usually about trade context, not whether your side sent the wire.
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.
Canada-specific versionMatch the invoice to the payment: beneficiary name, amount, currency, goods or services, and reference. Build one document pack with invoice, purpose of payment, relationship context, and payment proof. Respond once with consistent facts — not disconnected attachments to different contacts.
The beneficiary bank is connecting incoming funds to a commercial transaction before crediting the account. This is common on supplier receipts where the bank needs to see who paid, for what, and whether the amount matches a legitimate trade.
Prepare invoice, purpose of payment, goods or services description, sender and beneficiary relationship, source of funds or source of wealth if requested, and trade explanation. The invoice amount, beneficiary name, and payment reference must match the wire exactly.
Do not send inconsistent or incomplete explanations to different banks or counterparties. Do not send a replacement payment to unblock the supplier while the original funds are still held for review.
Send one structured release pack to the bank path the supplier confirms is active. Ask which bank owns the review and what timeline they were given. Escalate if documents were already supplied and the bank repeats the same request without a clear reason.
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.
The receiving or intermediary bank may still need trade context before releasing funds. The invoice helps connect the sender, beneficiary, amount, currency, goods or services, and payment purpose to a legitimate commercial transaction.