SWIFT payment tracking by UETR
Know where your SWIFT payment is.
Paste the UETR from your payment confirmation. SWIFTarius collects what the banks along the route report, explains each status in plain words, and messages you in Telegram when the payment moves.
- First answer in about 30 seconds
- Re-checks around the clock
- Six languages
- ACSPIn transit
- PDNGOn hold
- ACSCSettled, crediting
- ACCCCredited
- RJCTRejected
The gap
“It has left our bank.” Then silence.
A cross-border payment can pass through two, three or four banks before it is credited. Each one screens it, waits for cut-off times and holidays, and may hold it for documents. Your bank sees its own leg. The recipient sees nothing until the money lands.
Since November 2018 every SWIFT customer transfer has carried a UETR: one reference that stays the same from the first bank to the last. SWIFTarius uses it to show you each step the banks have reported.
- 26 Oct 09:14 UTC
Ordering bank
London
ACSPG000
Sent to the next bank
- 26 Oct 11:02 UTC
Intermediary
Frankfurt
ACSPG000
Passed on
- 26 Oct 16:40 UTC
Intermediary
New York
PDNGG003
Waiting for documents
- 27 Oct 10:05 UTC
Beneficiary bank
São Paulo
ACCC
Credited to the account
How it works
Three steps. No integration, no bank login.
01Find the UETR
It is on your payment confirmation or advice: field 121 of an MT103, or PmtId › UETR in a pacs.008. Your bank can also give it to you.
{2:I103…} {3:{121:cf935c67-a3ac-4d58…}} :20:REF58213 :32A:261026USD48200,00
02Send it to the bot
Paste it into the bot, with the amount and value date if you have them. The first answer usually comes in about half a minute.
cf935c67-a3ac-4d58-b2fc-bf2267a14ecd
USD 48200.00 2026-10-26ACSP In transit · 3 banks reported03Hear when it moves
Turn on watch mode: SWIFTarius re-checks the payment, messages you on every change and sends a morning digest of what is still on its way.
Status changed: credited
ACCC · beneficiary bank, São Paulo · 10:05 UTC
Morning digest · 07:00 in your time zone
In Telegram
Every step in one message, in plain words
The bot keeps one card per payment: the latest status, each bank’s report with its time, and what to do next. When a bank holds the payment, you see which one and why.
Need your counterparty to stop asking? Send them a link instead of a screenshot. It opens in their language and never shows the amount.
SWIFTarius
bot
UETR cf935c67-a3ac-4d58-b2fc-bf2267a14ecd
USD 48,200.00 · value date 26 Oct 2026
PDNG Held for documents · G003
26 Oct 09:14 UTC · ACSP G000
Ordering bank, London: sent to the next bank
26 Oct 11:02 UTC · ACSP G000
Intermediary, Frankfurt: passed on
26 Oct 16:40 UTC · PDNG G003
Intermediary, New York: waiting for documents
What to do
The New York intermediary is waiting for documents. Ask your bank which ones and send them through it. The payment passport has a ready request.
Watching · next check in 15 min
Reading the codes
Bank status codes, in plain words
Banks report progress with ISO 20022 status codes and gpi reason codes. SWIFTarius shows both, and says what each one means for your money.
ACSPIn transit
Accepted and moving. A bank in the chain has processed its leg and passed the payment on.
PDNGOn hold
A bank is reviewing the payment or waiting for documents or funds before it goes further.
ACSCSettled
Settlement between the banks is complete. The beneficiary’s bank still has to post it to the account.
ACCCCredited
The beneficiary’s bank reports the money on the account. This is the final step.
RJCTRejected
A bank refused the payment. The funds normally go back to the sender, often minus fees.
CANCCancelled
Stopped at the sender’s request before the beneficiary was credited.
Why a payment is where it is
gpi reason codes travel with the status. They explain an ACSP or a hold.
| Code | Meaning |
|---|---|
| G000 | Passed to the next bank, which reports its progress |
| G001 | Passed to a bank that does not report: a credit confirmation may never come |
| G002 | The bank cannot confirm the credit today |
| G003 | Held: the bank is waiting for documents |
| G004 | Held: the bank is waiting for the funds to arrive |
| G005 | Delivered to the beneficiary’s bank, credit not yet confirmed |
| G006 | Delivered to a beneficiary’s bank that does not report |
What you get
Built for the people who chase payments
Treasury and accounts teams, importers and exporters, and anyone waiting on an international wire.
- 01
Live status
Status from the public trackers of major correspondent banks, gathered into one timeline with times and codes.
- 02
Watch mode
A message on every status change and a morning digest of everything still on its way.
- 03
Excel in, Excel out
Upload up to 1,000 payments from a spreadsheet. Get it back with statuses and a “what to do” column.
- 04
Payment passport
Everything known about a stuck payment in one document, what is still unknown, and a ready request to your bank.
- 05
Counterparty card
A link instead of screenshots. Your counterparty sees the status in their language and never the amount.
- 06
API
The same checks from your ERP or treasury system. You pay only for checks that return an answer.
API
Put tracking inside your own systems
A REST API with the same checks as the bot, for ERP, treasury and accounting systems.
- X-API-Key
- Create keys in the bot with /apikey
- Idempotency-Key
- Retries never charge twice
- Credits
- Charged only when a check returns an answer
- Accept-Language
- Status texts in six languages
POST /v1/track
curl https://api.swiftarius.com/v1/track \
-H "X-API-Key: $SWIFTARIUS_KEY" \
-H "Idempotency-Key: order-58213" \
-H "Content-Type: application/json" \
-d '{"uetr": "cf935c67-a3ac-4d58-b2fc-bf2267a14ecd",
"amount": "48200.00", "currency": "USD",
"value_date": "2026-10-26"}'200 OK · application/json
excerpt
{
"uetr": "cf935c67-a3ac-4d58-b2fc-bf2267a14ecd",
"summary": {
"status_code": "PDNG",
"status_human": "pending: under review or on hold",
"last_bank_time": "2026-10-26T16:40:00Z",
"final": false
},
"charged_credits": 1
}Six languages
Your counterparty reads it in their own language
The bot, the status texts and the counterparty card work in all six. Hebrew and Arabic read right to left.
- EnglishCredited to the beneficiary
- 中文已入账至收款人
- עבריתזוכה למוטב
- हिन्दीप्राप्तकर्ता को जमा हुआ
- العربيةتم الإيداع للمستفيد
- РусскийЗачислен получателю
Coming next
A web workspace for finance teams
The same register, cases and alerts as the bot, in the browser, with access for your whole team. Until it opens, everything already works in Telegram.
Questions
Before you paste a UETR
What is a UETR?
The Unique End-to-end Transaction Reference: a 36-character code, such as cf935c67-a3ac-4d58-b2fc-bf2267a14ecd, that the sending bank attaches to a SWIFT payment. It stays the same at every bank along the route.
Where do I find it?
On the payment confirmation or advice from your bank: field 121 of an MT103, or PmtId › UETR in a pacs.008. If you can’t see it, ask your bank for “the UETR of my transfer”.
Do you need access to my bank account?
No. SWIFTarius never asks for bank logins or passwords. The UETR is enough; the amount and value date help some banks find the payment.
What if nothing is found?
Not every bank reports to a public tracker, and some answer only when the amount and date match. SWIFTarius tells you which checks found nothing, and in watch mode it keeps checking for several days.
Is a status proof that the money arrived?
No. A status is what the banks have reported. Only the beneficiary’s bank can confirm that the money is on the account.
Is SWIFTarius part of SWIFT?
No. SWIFTarius is an independent service. It is not affiliated with or endorsed by SWIFT or by any bank.
How do I pay?
Plans are paid in Telegram Stars inside the bot. API checks use prepaid credits. See the Terms of Service for refunds.