You are in the right place when you need an MT103 from your bank. Suppliers and beneficiary banks often need the structured payment message — not a portal screenshot — to locate incoming funds or push an internal search.
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.
Ask the sending bank or payment provider for the MT103 or ISO 20022 equivalent (often PACS.008) for the exact payment. Provide payment date, amount, currency, beneficiary, sender account, and transaction reference so they pull the right message. The goal is bank-usable proof with traceable identifiers.
An MT103 is a SWIFT customer credit transfer message. It shows how the payment was instructed — parties, amount, value date, charges, and often Field 121 UETR. It supports tracing; it does not by itself prove the beneficiary account was credited.
Collect MT103, PACS.008 if that is what your bank provides, UETR, bank confirmation, debit confirmation, and any beneficiary bank response already received. Before requesting the message, have payment date, amount, currency, beneficiary name, and sender reference ready.
Do not treat a screenshot or debit confirmation as proof that the beneficiary has usable funds. Do not send a redacted message missing UETR, beneficiary bank, or amount — the receiving side may not be able to search with it.
Request the MT103 or PACS.008 from the sending institution, verify Field 121 UETR if present, and share a complete copy with the supplier for their bank search. If the receiving bank still cannot locate the payment, move to a formal trace using the UETR.
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.