SWIFT Payment Help & Troubleshooting — Not Received, Cancel, Recall, UETR, Fake MT103 | Ohmyfin

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Step-by-step troubleshooting for every common SWIFT problem. Each guide tells you exactly what to check, who to call, and how to use Ohmyfin to find the answer in seconds.

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Fake MT103 / pacs.008 Document Warning You don't — the PDF itself can be forged in seconds. Real proof of payment is the UETR being locatable in the SWIFT network. If someone sends you an MT103 P How to Cancel a SWIFT Payment Yes — but only before the beneficiary bank has credited the account. The mechanism is a SWIFT cancellation request (camt.056 / MT n92 RFCN). Success depends How to Check if a SWIFT Payment Has Cleared The SWIFT GPI status code tells you exactly. ACCC = AcceptedSettlementCompletedCreditor = the beneficiary account has been credited; the payment has cleared How to Find the UETR on a pacs.008 In a pacs.008 (FIToFICustomerCreditTransfer) the UETR is in the element <UETR> inside <PmtId> inside <CdtTrfTxInf>. The full XPath is: Document/FIToFICstmrC How to Find the UETR on an MT103 The UETR is in field 121 of the MT103 message, located in block 3 (User Header). It is a 36-character UUID with 4 dashes, e.g. 9b2f5d4a-6e8c-4d1b-a7f3-2c9e1 How to Prove a SWIFT Payment Was Sent The single best proof is an official SWIFT GPI tracker screenshot from your bank showing the UETR and a positive status (ACSP / ACSC / ACCC). MT103 PDFs are How to Recall a SWIFT Payment That Was Already Credited Yes, but it requires the beneficiary's consent. The mechanism is a SWIFT recall (camt.056 with reason DUPL/TECH/FRAD/CUST) sent by your bank to the benefici How to Request a SWIFT Payment Confirmation Three options, in increasing formality: (1) UETR lookup on Ohmyfin — instant, free, latest available SWIFT status from an independent third-party tool; (2) SWIFT Charges Deducted From My Payment Because the charges instruction was SHA (shared) or BEN (beneficiary pays all). Each correspondent bank in the chain deducted its lifting fee — typically US SWIFT Payment Not Received — What To Do Most "missing" SWIFT payments are still in flight at a correspondent bank. The fastest way to find out is to look up the UETR on Ohmyfin — you will see in 5 SWIFT Payment Rejected — Reading the Reason Code Every SWIFT rejection (status RJCT) carries an ISO 20022 ExternalReturnReason code: AC01 (wrong account), AC04 (closed account), AC06 (blocked), BE01 (name SWIFT Payment Stuck in Compliance Screening Compliance holds happen when a name, address, country, or transaction pattern matches a sanctions list, PEP list, or AML rule. The holding bank cannot discl Why Is My SWIFT Payment Delayed? The most common causes of SWIFT delays are: (1) compliance / sanctions screening (PDNG status), (2) corridor cut-off times — payments sent late in the day g Wrong UETR Format — Why Tracker Says Invalid A valid UETR is exactly 36 characters: 8-4-4-4-12 hex characters with 4 dashes (RFC 4122 UUID v4 format). The 13th character must be "4" and the 17th charac
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