Last reviewed: · Curated by Ohmyfin Organisation editorial.
You hired a developer / designer / consultant in another country. You need to pay them reliably and prove the payment for tax and compliance.
You hired a developer / designer / consultant in another country. You need to pay them reliably and prove the payment for tax and compliance.
How to handle it: Issue a contractor agreement, get their bank details (BIC, IBAN/account), wire monthly via SWIFT MT103. Provide the UETR with each payment so the contractor can verify and reconcile. Keep a record of UETR + invoice + contract for tax / audit.
Whatever route you take, every SWIFT payment carries a 36-character UETR (Unique End-to-end Transaction Reference). Paste the UETR into the Ohmyfin tracker to see the latest available SWIFT status in seconds — settled, in flight, pending compliance, or rejected.
The UETR is the SWIFT-network identifier for your payment, mandatory on every payment since November 2018. It is the only way to track a payment in real time across all the correspondents in the chain.
SWIFT GPI same-currency payments often settle in minutes. Cross-currency typically 4–24 hours. Compliance-heavy corridors can take 2–5 business days.
Yes — free public tracking with completely free for individuals worldwide — no daily limit, no card, no signup required.
Cancellation works only before the receiving bank credits the account. Recall (after credit) needs the beneficiary's consent. See /help/how-to-cancel-swift-payment and /help/how-to-recall-swift-payment.
No card needed. Free for ordinary users — completely free for individuals — no daily limit, no card required. Track any international wire across 11,000+ banks.
Track a payment now — completely free Or try the tracker now →