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My bank says the payment was sent but the beneficiary says nothing arrived — what do I do?
Ohmyfin menjawab: My bank says the payment was sent but the beneficiary says nothing arrived — what do I do?
Jawaban Ohmyfin di bawah (dalam bahasa Inggris).
Track the UETR on Ohmyfin immediately. If the status shows the payment is still in transit at a correspondent bank, file an MT199 enquiry through the sender's bank. If it shows ACSC/ACCC (credited), the beneficiary's bank has the funds — ask the beneficiary to check with their bank quoting the UETR directly, as the credit may be sitting in a suspense account.
This is one of the most common international payment problems. The sender's bank confirms dispatch; the beneficiary sees nothing. The gap is almost always in the correspondent chain — at an intermediary bank where the payment is being screened, queued, or has been quietly rejected.
Step 1 — get the UETR from the sender's payment confirmation and paste it into Ohmyfin. The live status will tell you exactly where the payment is: which correspondent bank holds it, what status code it has, and how long it has been there.
Step 2 — if ACSP or PDNG at a correspondent: file an MT199 enquiry through the sender's bank (see the MT199 guide). Most enquiries are resolved within 2 business days.
Step 3 — if ACSC or ACCC (credited to beneficiary): the beneficiary's bank has received the funds. The beneficiary must call their bank quoting the UETR and ask the bank to search for the credit. It may be in a suspense account awaiting IBAN-to-name match, compliance clearance, or account opening confirmation.
Step 4 — if RJCT (rejected): the payment is being returned to the sender. The reason code tells you why (AC01 = wrong IBAN, AC04 = closed account, etc.). Resend with corrected details.
Track UETR on Ohmyfin — identifies exactly where the payment is
ACSP / PDNG at correspondent: file MT199 via sender's bank
ACSC / ACCC: funds at beneficiary's bank — ask beneficiary to call their bank with the UETR
Credit may be in suspense (name mismatch, compliance, account issues)
RJCT: payment rejected — return in progress, check reason code
My bank says the payment was sent but the beneficiary says nothing arrived — what do I do?
Track the UETR on Ohmyfin immediately. If the status shows the payment is still in transit at a correspondent bank, file an MT199 enquiry through the sender's bank. If it shows ACSC/ACCC (credited), the beneficiary's bank has the funds — ask the beneficiary to check with their bank quoting the UETR directly, as the credit may be sitting in a suspense account.
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 menjawab
Apakah Ohmyfin gratis?
Ya, pelacakan pembayaran SWIFT via UETR gratis tanpa pendaftaran. Dengan akun Anda mendapatkan riwayat harian dan kredit gratis tambahan.
Apa itu nomor UETR?
UETR (Referensi Transaksi Unik End-to-End) adalah UUID 36 karakter yang ditetapkan untuk setiap pembayaran SWIFT GPI untuk melacaknya melalui seluruh rantai bank koresponden.
Berapa lama transfer SWIFT?
Sebagian besar pembayaran SWIFT GPI selesai dalam 24 jam; transfer lintas batas dapat memakan waktu 1-5 hari kerja tergantung bank perantara dan mata uang.