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You pay or receive royalties (music, software, publishing, IP licensing) across borders. Reporting and withholding tax obligations apply.
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SWIFT GPI Network · Real-time status
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No record found in SWIFT GPI or any correspondent banking data
Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
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Details
You pay or receive royalties (music, software, publishing, IP licensing) across borders. Reporting and withholding tax obligations apply.
How to handle it: Use SWIFT MT103 with charges instruction OUR. Include the contract / agreement reference in field 70. Track every payment by UETR for accounting and audit. Apply withholding tax according to relevant treaty.
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.
Key facts
Bilateral tax treaties may reduce withholding from 30% to 5–15%.
Get a tax-residency certificate from the recipient country before paying to claim treaty benefits.
Maintain a clean ledger of UETRs against royalty periods and contracts.
Frequently asked questions
What is a UETR and why do I need one?
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.
How long should this kind of SWIFT payment take?
SWIFT GPI same-currency payments often settle in minutes. Cross-currency typically 4–24 hours. Compliance-heavy corridors can take 2–5 business days.
Is Ohmyfin tracking free?
Yes — free public tracking with completely free for individuals worldwide — no daily limit, no card, no signup required.
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