Payment problem — Proof, trace, and payment messages

Your supplier is asking for an MT103

You are in the right place if your supplier is asking for an MT103. A confirmation screen may calm your internal team, but the receiving side usually needs proof it can search, match, or investigate.

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 version

Problem state

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 payment message copy, UETR, sender reference, beneficiary details, and charges field. If the proof does not let the receiving bank locate the funds, the case has moved from proof-sharing into trace or investigation.

What it usually means

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. In this case, your supplier is asking for an MT103.

Evidence needed

Collect MT103, PACS.008, UETR, bank confirmation, debit confirmation, and beneficiary bank response. Check whether the reference lets the receiving bank search for the payment — a screenshot alone is rarely enough.

What not to do

Do not treat a screenshot or debit confirmation as proof that the beneficiary has usable funds.

Correct next action

Move from proof-sharing to trace when the supplier bank still cannot locate the funds, the payment has passed the expected window, or status stops changing. Prepare a proof pack the receiving side can actually search.

How Unicorn Currencies helps

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.