Last reviewed: · Curated by Ohmyfin Organisation editorial.
SWIFT GPI (Global Payments Innovation) is the modern tracking and transparency layer on top of the SWIFT network. Since 2018 it requires every SWIFT payment to carry a UETR and updates the live status at every correspondent bank.
Details
GPI gives banks (and now Ohmyfin users) end-to-end visibility of cross-border payments: where the money is right now, the FX rate applied, the fees deducted at each hop, and the expected credit time.
GPI status codes include ACSC (accepted, settlement complete), ACSP (accepted, settlement in progress), ACWP (accepted with pending change), RJCT (rejected), and many more — Ohmyfin decodes them into plain English.
Over 11,000 institutions and 90% of cross-border payments by value now run on GPI.
Key facts
Real-time tracking layer on the SWIFT network
Mandatory UETR on every payment
Status codes: ACSC, ACSP, ACWP, RJCT, etc.
90%+ of SWIFT cross-border value runs on GPI
Frequently asked questions
Is SWIFT GPI free for the sender?
There is no extra GPI fee from SWIFT. Banks may package GPI tracking with their wire-transfer pricing. Ohmyfin lets you check GPI status free.
Get 100 free credits — track unlimited SWIFT payments
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.