What the proof shows
Proof can show that the payment was instructed, debited, sent through a rail, or assigned a bank reference. It does not automatically prove the supplier has usable funds.
Payment Problem — Proof, trace, and payment messages
You have or need PACS.008 proof of payment.
You are in the right place if you have or need PACS.008 proof of payment. A confirmation screen may calm your internal team, but the receiving side usually needs proof it can search, match, or investigate.
Proof is useful only if it gives the receiving side enough structured information to identify the transaction. A sent confirmation is not the same as evidence that the beneficiary bank has applied the funds. For this case, gather PACS.008 payment identifiers, UETR, debtor, creditor, amount, charges, and remittance information. If the proof does not let the receiving bank locate the funds, the case has moved from proof-sharing into trace or investigation.
What the proof does not prove
A screenshot is rarely enough. Ask for PACS.008 payment identifiers, UETR, debtor, creditor, amount, charges, and remittance information, then check whether the reference can be used by the receiving bank to search for the payment.
When proof becomes a trace
Move from proof to trace when the supplier bank still cannot locate the funds, the payment has passed the expected window, or the status stops changing. Move to investigation when a bank has to ask another bank in the chain what happened.
What to send next
Send Unicorn the proof, references, beneficiary details, and supplier correspondence. Treasury can help determine whether the next action is a bank trace, a receiving-side search, or a clearer proof pack for the supplier.