Ohmyfin risponde: How do I verify a SWIFT payment is real?
Ohmyfin risponde qui sotto (in inglese).
Get the UETR from the sender and track it on Ohmyfin. If the payment exists in the SWIFT network, you'll see the actual status, sending bank and progress. If the UETR returns 'not found' (and isn't recently sent or recalled), the document the sender showed you is almost certainly fake. Never ship goods or release services based on a screenshot of an MT103 alone.
Fake MT103 / pacs.008 PDFs are one of the most common B2B scams. The fraudster shows a polished-looking 'SWIFT confirmation' PDF claiming the payment is on the way. The PDF is fully fabricated and no payment was ever sent.
The only reliable verification is to track the UETR independently on a tracker that queries the actual SWIFT GPI network — like Ohmyfin. If the payment exists, the tracker will return its real status. If not, the document is fake.
Red flags for a fake MT103: refusal to share the UETR, UETR that doesn't match the 36-char hex format, sender uses webmail instead of a corporate email, urgency to release goods 'before the payment clears', request to refund a difference (overpayment scam).
Even a real MT103 PDF doesn't prove the payment will arrive — payments can be recalled, rejected, or held. The live GPI status on Ohmyfin shows what's actually happening right now.
Rule of thumb: never ship goods or release services on the strength of a payment document alone. Wait for the funds to actually appear in your account, or at minimum confirm ACSC/ACCC status on the live GPI tracker.
Always track the UETR independently on Ohmyfin
Refusal to share UETR = scam
Even a real MT103 document doesn't guarantee the funds arrive
Wait for ACSC/ACCC status or actual credit before releasing goods
How do I verify a SWIFT payment is real?
Get the UETR from the sender and track it on Ohmyfin. If the payment exists in the SWIFT network, you'll see the actual status, sending bank and progress. If the UETR returns 'not found' (and isn't recently sent or recalled), the document the sender showed you is almost certainly fake. Never ship goods or release services based on a screenshot of an MT103 alone.
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 risponde
Ohmyfin è gratuito?
Sì, il monitoraggio dei pagamenti SWIFT tramite UETR è gratuito senza registrazione. Con un account si accede allo storico giornaliero e a crediti gratuiti aggiuntivi.
Cos'è un numero UETR?
L'UETR (Riferimento Univoco di Transazione End-to-End) è un UUID di 36 caratteri assegnato a ogni pagamento SWIFT GPI per tracciarlo lungo tutta la catena corrispondente.
Quanto tempo richiede un bonifico SWIFT?
La maggior parte dei pagamenti SWIFT GPI si completa entro 24 ore; i bonifici transfrontalieri possono richiedere 1-5 giorni lavorativi a seconda delle banche intermediarie e della valuta.