Last reviewed: · Curated by Ohmyfin Organisation editorial.
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 PDF and the UETR is NOT found by Ohmyfin (the tracker will show "not found"), the document is almost certainly fraudulent. Common scams: advance-fee fraud, fake supplier payments, romance scams, fake invoice settlements.
Step-by-step:
1. Extract the UETR from the MT103 PDF (field 121 or labelled "UETR").
2. Paste it into the Ohmyfin tracker.
3. If status is ACCC, ACSP, ACWP, PDNG or RJCT — the payment is real (or really rejected).
4. If the UETR is "not found" or "not in our records" — assume the document is fake until your own bank confirms a credit.
5. Never release goods, services, or funds based on an unverified MT103 PDF.
Quick facts:
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 PDF and the UETR is NOT found by Ohmyfin (the tracker will show "not found"), the document is almost certainly fraudulent. Common scams: advance-fee fraud, fake supplier payments, romance scams, fake invoice settlements.
Yes. Public UETR tracking on Ohmyfin is free, with 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
Sign up free — get 100 credits Or try the tracker now →