You are in the right place if a SWIFT transfer is stuck at an intermediary bank. The next step is to separate normal rail timing from a hold, a trace case, or a payment that needs a real owner.
A delayed international payment is not solved by asking the same question repeatedly. You need to know whether it is still inside a normal rail window, sitting with an intermediary, held for review, rejected, or already received but not credited. For this case, gather intermediary bank name, UETR, MT103 or PACS.008 proof, and current payment status. That evidence decides whether to wait, provide documents, trace, investigate, recall, or escalate.
A delay can still be normal if the payment is inside the rail window, missed a cut-off, or crossed a weekend or local holiday. It suggests a hold when the bank asks for documents, shows review status, or stops giving a usable update.
Collect intermediary bank name, UETR, MT103 or PACS.008 proof, and current payment status. The facts usually show whether confirm the hold point and have the right bank push the case forward, rather than guessing from a sent confirmation alone.
Request a trace when the expected window has passed and no one can confirm the current payment state. Escalate when the sender bank, intermediary, or beneficiary bank keeps sending you back to another party without ownership.
Contact Unicorn with the payment proof, references, beneficiary details, and timeline. The first decision is whether to wait, trace, provide documents, investigate, or recall before anyone sends again.