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 OUR payment still arrived short.
You are in the right place if an OUR payment still 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 OUR instruction, payment message, receiving bank fee, intermediary fields, and credited amount. Treasury needs the sent amount, landed amount, and charge path before deciding whether a top-up or route change is needed.
Which charging model caused it
Check OUR instruction, payment message, receiving bank fee, intermediary fields, and credited amount. 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 OUR payment still 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.