What was deducted
The missing amount is usually a bank charge, intermediary deduction, FX difference, or incorrect charging instruction. It is not enough to say the payment was sent; you need to know what landed.
Payment Problem — Short-paid or deducted
An international wire arrived short.
You are in the right place if an international wire arrived short. The question is what was deducted, whether the supplier still needs a top-up, and how to stop the same short payment happening again.
A short-arriving international wire creates supplier tension because both sides can be right: the sender sent the invoice amount, but the beneficiary received less after charges, routing, or conversion. For this case, gather sent amount, credited amount, charge code, MT103 or PACS.008 charges, and bank fee details. Treasury needs the sent amount, landed amount, and charge path before deciding whether a top-up or route change is needed.
Canada-specific versionWhich charging model caused it
Check sent amount, credited amount, charge code, MT103 or PACS.008 charges, and bank fee details. The key question is whether charges were OUR, SHA, or BEN, and whether the route allowed intermediary banks to deduct before the funds reached the supplier.
Whether a top-up is needed
A top-up may be needed if the supplier must receive full invoice value before releasing goods. If the deduction was unexpected, treasury should inspect the payment instruction and charge handling before the next payment is sent.
How to prevent the next short payment
Send Unicorn the invoice amount, landed amount, charge option, payment proof, and supplier bank advice. The next instruction should make the expected landed value clear before the supplier is put under pressure again.
An international wire arrived short usually means charges, routing, correspondent-bank deductions, or conversion reduced the landed amount. Compare the instructed amount, received amount, charge option, route, currency, and payment proof before deciding whether a supplier top-up is needed or the next payment route should change.
Key question
Who is responsible when an international wire arrives short?
Responsibility depends on the charge option, payment route, bank deductions, FX conversion, and the commercial agreement with the supplier. Check whether the payment was sent as OUR, SHA, or BEN before deciding whether a top-up is owed.