You are in the right place if an international payment has not been credited to the beneficiary. The next step is to separate normal rail timing from a hold, a trace case, or a payment that needs a real owner.
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 versionA delayed international payment is not solved by asking the same question repeatedly. You need to know whether it is still inside a normal rail window, sitting with an intermediary, held for review, rejected, or already received but not credited. For this case, gather credit status, beneficiary bank confirmation, proof document, UETR, and account details. That evidence decides whether to wait, provide documents, trace, investigate, recall, or escalate.
A delay can still be normal if the payment is inside the rail window, missed a cut-off, or crossed a weekend or local holiday. It suggests a hold when the bank asks for documents, shows review status, or stops giving a usable update. Here, an international payment has not been credited to the beneficiary.
Gather value date, payment reference, UETR, MT103 or PACS.008 if available, beneficiary bank details, supplier message, and cut-off or holiday context. That evidence helps confirm whether the payment is still moving, held, returned, or credited — rather than guessing from a sent confirmation alone.
Do not send a replacement payment before confirming whether the first payment is still moving, held, returned, or credited.
Separate normal timing from a trace case: request trace when the expected window has passed and no one can confirm the current payment state. Decide whether to wait, provide documents, investigate, or prepare a recall request before anyone sends again.
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.