You are in the right place when an international wire is delayed beyond the window your team expected. Delay is not automatically failure — but once the normal timing band is exceeded, you need a current payment state, not another generic “still processing” update.
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 versionStart with the send date, cut-off time, value date, route, and last bank status. Cross-check weekends, local holidays, and correspondent cut-offs before opening a trace. If the payment is still inside a defensible rail window, document the wait point. If not, treat it as a trace case with UETR, reference, and beneficiary details.
A delayed wire may still be moving normally through cut-offs, time zones, and correspondent banks. It becomes an exception when status stops updating, a bank requests documents, GPI shows a hold, or the expected credit window has passed without beneficiary-side confirmation.
Gather value date, payment reference, UETR, MT103 or PACS.008 if available, beneficiary bank details, supplier message, and cut-off or holiday context. Note when the payment was instructed versus when it debited — those dates anchor whether delay is still ordinary.
Do not send a replacement payment before confirming whether the first payment is still moving, held, returned, or credited. Do not treat “accepted” or “in progress” GPI status as proof the supplier can use the funds.
If timing is still ordinary, communicate one wait date to the supplier with the reference set you will use for follow-up. If the window has passed, request a trace through the sender bank with UETR, amount, currency, value date, and beneficiary details. Escalate when banks pass the case without ownership.
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.