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
The receiving bank deducted an incoming wire fee.
You are in the right place if the receiving bank deducted an incoming wire fee. 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 beneficiary bank fee advice, credited amount, original amount, and payment proof. 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 beneficiary bank fee advice, credited amount, original amount, and payment proof. 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.