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My SWIFT payment status says 'pending investigation' — what does that mean?
Ohmyfin menjawab: My SWIFT payment status says 'pending investigation' — what does that mean?
Jawaban Ohmyfin di bawah (dalam bahasa Inggris).
'Pending investigation' (or status PDNG) means a bank in the chain has flagged the payment for manual review — usually for sanctions screening, KYC concerns, missing documentation, or a routing error. The payment is neither rejected nor credited yet. Resolution typically takes 1-5 business days depending on the bank's compliance backlog.
PDNG (Pending) is the standard ISO 20022 / pacs.002 status code for a payment held for human review. Common triggers: sanctions name match (often a false positive), missing beneficiary IBAN, unclear remittance information, source-of-funds question, BIC validation failure.
What happens next: the bank's compliance / operations team reviews the payment. They may release it (status moves back to ACSP / ACSC), reject it (status RJCT with a reason code), or request more information from the sender (typically via the sender's bank).
Sender's role: if requested, provide source-of-funds documentation, invoices, contracts, KYC information for sender and beneficiary. The faster you respond, the faster the payment moves.
Track the UETR on Ohmyfin to see which bank in the chain has the PDNG status — that's the bank to contact via the sender's relationship manager.
If PDNG persists more than 5 business days with no communication, ask the sender to file an MT199 enquiry — most compliance teams respond once formally chased.
PDNG = Pending — manual review at one bank in the chain
My SWIFT payment status says 'pending investigation' — what does that mean?
'Pending investigation' (or status PDNG) means a bank in the chain has flagged the payment for manual review — usually for sanctions screening, KYC concerns, missing documentation, or a routing error. The payment is neither rejected nor credited yet. Resolution typically takes 1-5 business days depending on the bank's compliance backlog.
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.