Our Methodology

What We Track

Ohmyfin tracks the live status of cross-border SWIFT international payments. The primary lookup identifier is the UETR (Unique End-to-end Transaction Reference) — a 36-character UUID v4 that is mandatory on every SWIFT cross-border customer credit transfer since November 2018. We also support lookup by MT103 Transaction Reference Number (TRN / field 20) and pacs.008 EndToEndId.

When a UETR is submitted, Ohmyfin returns the latest available status from the SWIFT GPI network: which bank holds the payment, the ISO status code (ACSP, ACSC, ACCC, RJCT, PDNG, CANC), value date, fees deducted at each hop, and the correspondent-bank routing chain where disclosed.

What Ohmyfin is NOT: Ohmyfin is a status-tracking service only. It cannot release, cancel, refund, accelerate or redirect a payment. Only the sending bank, receiving bank, or a correspondent bank in the payment chain can act on the payment itself.

Our Data Source

Ohmyfin Organisation LLC sources SWIFT GPI payment status data directly through Bottomline Transform Technologies, a licensed SWIFT-connected service bureau. As a direct client of Bottomline Transform Technologies, Ohmyfin queries live SWIFT GPI status on behalf of users who submit a UETR.

Independence: Bottomline Transform Technologies has no ownership stake in, contractual relationship with, or commercial agreement with Ohmyfin Organisation LLC beyond standard service bureau licensing. Ohmyfin is completely editorially and operationally independent.

Accuracy and Limitations

We are committed to accuracy and transparency. The following limitations apply to all payment status data returned by Ohmyfin:

Coverage gap: Not every SWIFT payment is visible through our data provider. Some payments may return a "not found" result even if the payment exists and is progressing normally.
SWIFT GPI mandatory since 2018: Only payments sent after November 2018 carry a UETR. Pre-2018 payment references cannot be looked up by UETR.
Data latency: In-progress statuses may lag by minutes to hours depending on how quickly the holding bank updates the SWIFT GPI Tracker. The status shown is the latest available, not necessarily real-time.
Currency/fee data: Fee amounts shown are those reported by correspondent banks to the GPI Tracker. Banks are not always required to disclose individual fee amounts to the GPI network.
Sanctions-held payments: Payments held for sanctions screening (PDNG status) may show limited routing detail to comply with legal requirements.
Not a confirmation of credit: An ACCC (Accepted, Settlement Completed to Beneficiary) status indicates the beneficiary bank confirmed receipt. Ohmyfin cannot guarantee that funds are visible in the beneficiary's account — contact the receiving bank for confirmation.

Fraud warning: Ohmyfin never asks for your bank login credentials, card number, account number, one-time passcode, or any payment to "release" funds. If someone presents you with an Ohmyfin screenshot as proof of payment and asks you to release goods or services — exercise caution and verify directly with your bank before acting.

Data Freshness

Status data is retrieved from Bottomline Transform Technologies in real time when a UETR is submitted. In-progress statuses are periodically refreshed; terminal statuses (ACCC, RJCT, CANC) are considered final and do not change once confirmed.

Independence from S.W.I.F.T. SC

Ohmyfin Organisation LLC is not affiliated with, endorsed by, sponsored by, certified by, or licensed by S.W.I.F.T. SC (Society for Worldwide Interbank Financial Telecommunication, registered at Avenue Adèle 1, 1310 La Hulpe, Belgium), the SWIFT cooperative, the ISO 20022 Registration Authority, or any of their members, subsidiaries, or licensees.

SWIFT, SWIFTNet, SWIFT GPI, UETR, BIC, MT, pacs, and ISO 20022 are trademarks, service marks, or proprietary terms of S.W.I.F.T. SC and/or ISO. Ohmyfin uses these terms solely descriptively under nominative fair use to identify the publicly documented international payments ecosystem in which this independent service operates.

Ohmyfin Organisation LLC is also not a financial institution, payment service provider, money transmitter, or regulated entity. We do not hold, transmit, or otherwise handle funds. We are a technology and data service.

Legal Entity

Ohmyfin is operated by Ohmyfin Organisation LLC (formerly FIN Organisation LLC, renamed 2025), a limited liability company organised under the laws of the State of Hawaii, USA. The company was founded in 2023 by Y.J. Shinwari.

Legal name: Ohmyfin Organisation LLC
Jurisdiction: State of Hawaii, USA
Business address: 15442 Ventura Blvd., Ste 201-2681, Sherman Oaks, CA 91403, United States
Founded: 2023 (continuously operating)
Registration: OpenCorporates record →
Service area: Worldwide

Editorial Independence

All content on ohmyfin.org is produced by the Ohmyfin Organisation editorial team. Content is human-authored and fact-checked internally before publication. We do not accept paid placements, sponsored content, or undisclosed commercial arrangements that could influence the factual content of payment status results or editorial content on this site.

Ohmyfin Organisation LLC has no revenue relationship with S.W.I.F.T. SC or Bottomline Transform Technologies beyond standard service bureau licensing.

Reporting Errors or Corrections

If you believe a payment status returned by Ohmyfin is materially inaccurate or if you have other corrections to report, please contact us:

Corrections & Data Queries

Email: info@ohmyfin.org
Response target: 2 business days
Include: the UETR, the status shown, and what the correct status should be (with any supporting bank confirmation).

Note: Ohmyfin can only correct data in its own cache. For disputes about a payment's actual status, contact the sending or receiving bank directly.