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My SWIFT payment status says 'pending investigation' — what does that mean?
Ohmyfin giải đáp: My SWIFT payment status says 'pending investigation' — what does that mean?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
'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 giải đáp
Ohmyfin có miễn phí không?
Có, theo dõi thanh toán SWIFT qua UETR miễn phí mà không cần đăng ký. Tạo tài khoản để truy cập lịch sử hàng ngày và tín dụng miễn phí bổ sung.
Số UETR là gì?
UETR (Tham chiếu Giao dịch Duy nhất Đầu cuối) là UUID 36 ký tự được gán cho mỗi thanh toán SWIFT GPI để theo dõi qua toàn bộ chuỗi ngân hàng đại lý.
Chuyển tiền SWIFT mất bao lâu?
Hầu hết thanh toán SWIFT GPI hoàn tất trong 24 giờ; chuyển tiền quốc tế có thể mất 1-5 ngày làm việc tùy theo ngân hàng trung gian và loại tiền tệ.