You are in the right place when a supplier wants MT103 proof of payment. They usually need it to push their bank to search for incoming funds or to reconcile internally — not because they doubt you sent, but because their bank will not act on informal confirmation alone.
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 versionProvide the full MT103 or PACS.008-style record with UETR, value date, instructed amount, beneficiary fields, and charge information. Tell the supplier clearly that proof of dispatch is not proof of credit — their bank may still need to match and release the funds.
The supplier is asking for evidence their bank can work with. A remittance advice or portal printout may not include UETR, correspondent route, or charge details their bank needs to locate the payment in incoming queues or exception holds.
Collect MT103, PACS.008, UETR, bank confirmation, debit confirmation, and beneficiary bank response if available. Include amount, currency, value date, sender name, beneficiary name, account or IBAN, and SWIFT or BIC on the proof you send.
Do not treat a screenshot or debit confirmation as proof that the beneficiary has usable funds. Do not crop out charges, intermediary banks, or UETR — those fields often explain why funds have not credited yet.
Send one clean proof pack to the supplier with the MT103 or equivalent and a short cover note listing UETR and value date. Ask them to confirm what their bank searched and what status was returned. Open a trace if the bank still cannot locate the payment after structured proof.
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.