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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. Track any GPI payment free →
SWIFT GPI was launched in 2017 to solve the opacity of pre-GPI international wires, where senders had no way to tell where their money was without calling their bank, which then had to call each correspondent bank manually. GPI imposed three new obligations on member banks: (1) each bank must forward the payment the same business day it receives it, (2) each bank must update the central SWIFT GPI tracker with its status within minutes, and (3) the original remittance information must be passed through unchanged.
GPI gives banks — and now Ohmyfin users — end-to-end visibility of cross-border payments: which bank is currently holding the payment, the FX rate applied at each conversion, the correspondent-bank fees deducted at each hop, and the confirmed value date. This transparency was simply not possible before GPI.
GPI status codes are ISO 20022-based and include: ACSC (accepted, settlement complete — funds credited to beneficiary), ACSP (accepted, settlement in progress — moving through the chain), ACWP (accepted with pending change — a compliance hold or FX negotiation is pending), ACCC (accepted, credit to customer — credit confirmed to beneficiary account), RJCT (rejected — payment refused with a reason code), CANC (cancelled), and PDNG (pending). Ohmyfin decodes all of these into plain English and tells you exactly what to do next. Full reference at /status.
GPI adoption: over 11,000 financial institutions across 200+ countries are registered SWIFT members, and approximately 95% of cross-border SWIFT payment value now flows through GPI-enabled channels. The remaining 5% is legacy corridors where not all participating banks have upgraded — these payments still reach their destination but without real-time tracking.
SWIFT GPI Stop-and-Recall is a GPI service that lets any bank in the chain trigger an immediate stop on a payment that is still in transit. This is used for fraud mitigation (when a wire is sent to a fraudulent account) and error correction (wrong beneficiary details). Under GPI Rulebook obligations, every bank in the chain must respond to a stop request within one hour during business hours.
GPI Instant is an extension of the standard GPI service that enables true real-time (under 25 seconds) cross-border payments for participating corridors, particularly on routes where both sides are on fast-settlement rails (SEPA Instant, UK FPS, Singapore FAST, etc.). For standard SWIFT cross-border wires, Ohmyfin tracks the live GPI status and displays updated status as soon as any bank in the chain posts it.
SWIFT does not charge an extra fee for GPI tracking — it is now a core part of the SWIFT network. Your bank may include wire tracking in its standard international transfer pricing or as a premium feature. Checking your payment status on Ohmyfin is always free for individuals.
ACSP = accepted, settlement in progress (payment is moving through the chain). ACSC = accepted, settlement complete (funds credited to beneficiary bank). ACCC = accepted, credit confirmed to beneficiary account. ACWP = accepted with pending change (compliance hold or FX pending). RJCT = rejected (with a rejection reason code). Full reference at /status.
GPI member banks are required to update the status tracker within minutes of receiving and processing the payment. In practice, for GPI-compliant banks, status updates typically appear within 15–30 minutes. Ohmyfin queries the GPI network in real time and displays the latest available status.
Stop-and-Recall lets any bank in the payment chain send a GPI Recall Request to stop a payment still in transit. Every GPI bank must respond within 1 business hour. This is used for fraud response and misdirected payments. If funds have already been credited, the receiving bank must ask the beneficiary for consent to return them.
Nearly all are — approximately 95% of SWIFT cross-border payment value is on GPI. A small number of payments on very old correspondent relationships or non-GPI corridors may not have full end-to-end tracking, though they will still have a UETR. Ohmyfin queries the broadest available data set for every UETR.
No card needed. Free for ordinary users — completely free for individuals — no daily limit, no card required. Track any international wire across 11,000+ banks.
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