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 supplier received less than the invoice amount.
You are in the right place if the supplier received less than the invoice amount. 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 invoice amount, sent amount, received amount, charges instruction, and route details. Treasury needs the sent amount, landed amount, and charge path before deciding whether a top-up or route change is needed.
Canada-specific versionWhich charging model caused it
Check invoice amount, sent amount, received amount, charges instruction, and route details. 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.