How to track a SWIFT payment by UETR

The UETR is on the payment confirmation or advice from your bank: field 121 of an MT103, or PmtId › UETR in a pacs.008. It looks like cf935c67-a3ac-4d58-b2fc-bf2267a14ecd. If you are the recipient, ask the sender for it.

Keep the amount, the currency and the value date at hand too: they help find the payment. More on the format and where banks print it: what is a UETR.

Each option uses the same UETR. They differ in who answers and how quickly.

• 01

  Ask your bank

  Your bank can look the payment up by its UETR in the SWIFT gpi Tracker and tell you the latest status. Write with the UETR, the amount and the date, and ask for the status, the last confirmed event and the bank that reported it.

  Best for: an official answer, a change to the payment or a cancellation.

• 02

  Use your bank’s online tracker

  Many banks show the gpi status of a payment in online banking or on a tracking page on their website, for the payments they handle.

  Best for: a quick look at a payment your own bank sent.

• 03

  Ask for a trace

  If the payment has not moved for two days, ask the sending bank to investigate. The bank sends an enquiry along the chain through SWIFT and reports the answers. Ask for a case reference and the date of the next update.

  Best for: a payment that has stopped, or a credit the beneficiary cannot find.

• 04

  Send the UETR to SWIFTarius

  SWIFTarius brings what banks report about the payment into one card in Telegram: the status in plain words, each bank’s report with its code and time, and what to do next. With watch mode on, it messages you as soon as a bank in the chain updates the status.

  Best for: senders and recipients who want the status now, and teams that follow many payments.

The bot works in English, Chinese, Hebrew, Hindi, Arabic and Russian. There is nothing to install and no bank login.

1. 01

   Open @swiftarius_bot

   Open the bot in Telegram on your phone or computer.

2. 02

   Send the UETR

   Paste the UETR with or without hyphens, or paste the whole MT103 text: the bot finds the UETR, the amount, the currency and the value date in it.

3. 03

   Read the card

   The first answer usually comes in about half a minute: the latest status in plain words, each bank’s report with its status code, reason code and time, and what to do next. When a bank reports a hold, the card shows where the payment stopped and why, for example G003: the beneficiary’s bank is waiting for documents.

4. 04

   Turn on watch mode

   Send /watch with the UETR. SWIFTarius re-checks the payment around the clock, every 15 minutes in the first six hours after a change, and messages you as soon as a bank in the chain updates the status. A daily digest counts the payments still on their way and sends the ones that need attention as an Excel file.

5. 05

   If it is stuck, use the passport

   Send /passport with the UETR for the payment passport: everything known about the payment in one document, with draft letters to your bank. Send /share with the UETR to get a link for your counterparty. Next steps by status: what to do when a SWIFT payment is stuck.

The first check is free and shows the status once. Watch mode comes with Rescue, one payment watched for 14 days for 19 USDT or 1,000 Telegram Stars, and with the monthly plans: see pricing.

• Each bank’s report: the status code, the gpi reason code and the time the bank reported it, in one timeline.
• Where the payment stopped and why, when a bank reports a hold: for example G003, the beneficiary’s bank is waiting for documents.
• The status in plain words, in six languages, and what to do next for that status.
• A message as soon as a bank in the chain updates the status, while watch mode is on, and a flag when a payment has not moved for two days.
• The payment passport: the payment details, every bank report in time order and the open questions, with draft letters to your bank in English and in your language.
• A link for your counterparty that opens in their language and never shows the amount.
• Excel in and out on the Business, Pro and Corporate plans: upload a list of payments and get it back with statuses and a “what to do” column.

Every code explained: SWIFT gpi status codes in plain words.

The SWIFTarius REST API runs the same check for ERP, treasury and accounting systems. A request to POST /v1/track with the UETR returns the status, each bank’s report and the reason codes as JSON. A check is charged only when it returns an answer, including “not found”.

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"}'

Endpoints, fields and errors: API reference. API checks are prepaid in USDT, from 50 USDT for 330 checks: API prices.

SWIFT reports that nearly 60% of gpi payments are credited to the beneficiary within 30 minutes and almost 100% within 24 hours. A payment takes longer when it waits for a cut-off time, a weekend or a holiday in the currency’s country, or when a bank holds it for checks.

If nothing has moved for two days, ask the sending bank for a trace. SWIFTarius flags such payments in the card, and the payment passport has the letter for the request.

• SWIFT: Swift GPI. The gpi Tracker, and the share of gpi payments credited within 30 minutes and within 24 hours
• SWIFT: Universal confirmations. Banks that receive MT103 and pacs.008 payments confirm their outcome

Sources accessed 30 October 2026.