Ohmyfin उत्तर देता है: OUR vs SHA vs BEN — which charges code should I use?
Ohmyfin का जवाब नीचे है (अंग्रेज़ी में)।
Use OUR when the beneficiary must receive the exact amount (most invoice payments). Use SHA when fees are split — sender pays their bank, intermediaries deduct from the amount (default for most consumer wires). Use BEN when the beneficiary should bear all fees (rare — usually for forwarding money or when the beneficiary instructed it).
The charges code goes in MT103 field 71A (or pacs.008 <ChargeBearer>) and tells every bank in the chain who is responsible for fees. There are exactly three options: OUR, SHA, BEN.
OUR: sender's bank quotes a single all-in fee; correspondents bill the sender's bank, not the payment. Beneficiary gets the full amount sent. Most expensive but cleanest. Use for: invoice payments, payroll abroad, any payment where the receiver expects an exact amount.
SHA (Shared): sender pays their bank's fee. Each correspondent in the chain deducts its own fee directly from the principal as the payment passes through. Beneficiary receives sent amount minus all correspondent lifting fees. Use for: routine consumer wires, peer-to-peer transfers where the receiver accepts a small deduction.
BEN: payment is sent net — sender pays nothing to their bank or correspondents (in theory). Beneficiary's bank deducts everything. Use for: refunds where the sender is forwarding money; fee arrangements pre-agreed with the receiver.
Practical advice: OUR is best for B2B invoices. SHA is fine for personal wires under USD 1,000. BEN is rare and often requires a relationship account.
OUR = sender pays everything (best for invoices)
SHA = shared (default for personal wires)
BEN = beneficiary pays everything (rare, usually pre-agreed)
Field 71A on MT103 / <ChargeBearer> on pacs.008
OUR vs SHA vs BEN — which charges code should I use?
Use OUR when the beneficiary must receive the exact amount (most invoice payments). Use SHA when fees are split — sender pays their bank, intermediaries deduct from the amount (default for most consumer wires). Use BEN when the beneficiary should bear all fees (rare — usually for forwarding money or when the beneficiary instructed it).
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin के उत्तर
क्या Ohmyfin मुफ़्त है?
हाँ, UETR द्वारा SWIFT भुगतान ट्रैकिंग बिना पंजीकरण के मुफ़्त है। खाता बनाने पर दैनिक इतिहास और अधिक मुफ़्त क्रेडिट मिलते हैं।
UETR नंबर क्या है?
UETR (यूनिक एंड-टू-एंड ट्रांजेक्शन रेफरेंस) 36 कैरेक्टर का UUID है जो हर SWIFT GPI भुगतान को सौंपा जाता है ताकि पूरी चेन में ट्रैक किया जा सके।
SWIFT ट्रांसफर में कितना समय लगता है?
अधिकांश SWIFT GPI भुगतान 24 घंटे में पूरे हो जाते हैं; अंतर्राष्ट्रीय ट्रांसफर में मध्यवर्ती बैंकों और मुद्रा के अनुसार 1-5 कार्य दिवस लग सकते हैं।