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Track Cross-Border Payments Even Without Direct Access to SWIFT*
For fintech companies, PSPs, EMIs, and FX brokers — start in 1 business day.
No record found in SWIFT GPI or any correspondent banking data
Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
Monitor for 7 Days — Free
We re-check every few hours and notify you the instant this payment appears — no account, no spam.
Watching — we'll email you the moment it appears.
Not sure what to do next?
Ask SwiftMate, our SWIFT assistant, for guidance on payment delays, rejections, and next steps.
Payments can appear hours after initiation — try again later
Payment Tracking Made Simple for Fintech
Fintech companies and banks typically rely on the following options for cross-border payment tracking:
SWIFT* Basic Tracker, SWIFT GPI*, or information from partner banks.
However, these methods aren't always accessible, especially for early-stage PSPs and EMIs. That's where Ohmyfin comes in.
We provide an alternative payment tracking solution that's ideal for fintech companies looking for speed, flexibility, and transparency. You can track the status of international payments and monitor cross-border transfers in real-time with our comprehensive platform. You may also provide this functionality to your users by integrating it into your internet and mobile banking solutions.
You don't need to share any personal data—no names, no bank account numbers—to track payments with Ohmyfin. All we require is the UETR*, sender's reference, transaction date, and currency to provide real-time status updates.
Simple onboarding, no SWIFT membership required, just sign up with your business email.
2
Track Manually
Use UETR*, sender's reference, transaction date, and currency to track first payments.
3
Integrate
Need more value from web-based tracking? Integrate our API into your backoffice or mobile banking solutions.
Prevent Payment Delays with Smart Validation
Businesses and individuals often resort to tracking tools after delays or errors occur, making fintech and banks life more difficult with a big amount of requests. But with the right tools in place, many of those issues can be avoided altogether.
Ohmyfin provides a powerful payment validation API that helps you detect errors before the payment is even sent. By validating beneficiary details and routing information upfront, you can reduce failed transactions, avoid payment investigations, and accelerate processing times.
Plan ahead. Prevent problems. And keep your cross-border payments flowing smoothly — all in real-time.
Why Choose Ohmyfin
Start in 1 business day
Use WEB-access to track payments immediately
Simple JSON-API for your backoffice or mobile banking solutions
Use Standard Settlement Instruction Data for routing
Gain end-to-end visibility into every customer transaction—so you can proactively update users, reduce "where's my money?" inquiries, and boost trust without adding support headcount.
EMIs
Improve treasury visibility and liquidity forecasting by seeing all inbound and outbound cross-border flows in real time—helping you optimize capital allocation and avoid unexpected shortfalls.
Licensed FX Brokers
Assure clients that their converted funds landed safely: monitor the journey from your FX platform to their bank accounts, catch exceptions early, and uphold your delivery SLAs (and reputation).
Early-stage Fintechs
Get real-time payment visibility while you are still waiting for SWIFT membership. Plug into our API and start confirming incoming and outgoing flows the moment you go live.
"We work with multiple partner banks for different currencies. When clients inquire about payment status, we previously had to contact each bank manually. Some banks don't support GPI tracking and instead require investigation requests — which is time-consuming and leaves our customers frustrated. Ohmyfin provided us with the visibility we needed. Now we can immediately identify if a customer's payment was rejected, and we've significantly reduced our support workload."
— Head of Operations, U.S.-based Money Services Business
Frequently Asked Questions
No. Ohmyfin provides cross-border payment tracking without requiring SWIFT GPI membership. This makes it ideal for early-stage PSPs, EMIs, and fintechs that do not yet have direct SWIFT access. You can start tracking payments on the day you sign up.
Onboarding takes one business day. After signing up with your business email you receive immediate web-based access to Ohmyfin's payment tracking dashboard. API integration into your own backoffice or mobile banking systems can typically be completed within a few days using our JSON REST API.
To query the status of a cross-border wire transfer, Ohmyfin requires the UETR (Unique End-to-end Transaction Reference) or sender's reference number, the transaction date, and the currency. No personal data — such as names or bank account numbers — is exchanged.
Yes. Ohmyfin provides a simple JSON REST API that financial institutions, PSPs, and EMIs can integrate into their backoffice systems, internet banking portals, or mobile banking applications to provide real-time cross-border payment status updates to their customers and operations teams.
Ohmyfin offers volume-based pricing for financial institutions starting at $100 per month. A free trial is available so you can evaluate the service before committing. Individual users tracking their own payments always use Ohmyfin for free.
* - Disclaimers: SWIFT, UETR and GPI are trademarks owned by S.W.I.F.T. SC, which is headquartered at Avenue Adele 1, 1310 La Hulpe, Belgium. We are not in any way affiliated with S.W.I.F.T. Other terms, names and/or logos can be protected trademarks of respective owners. We are not affiliated, unless clearly stated. We do not provide any financial services.
Financial Institutions: Start your free trial today to track cross-border payments efficiently