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Swift Tracker


Know where every cross-border payment is

When a customer asks where their payment is, your team needs a definite answer, not an enquiry to a correspondent. Swift payment tracking follows each payment end to end using its unique transaction reference.


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What it is.

End-to-End Cross-Border Payment Visibility

Swift payment tracking gives end-to-end visibility of cross-border payments using the unique end-to-end transaction reference (UETR) carried on every payment.

Why it matters.

Confirm Status Faster and Reduce Enquiries

You can confirm status, meet the Universal Confirmations mandate, and answer customer queries directly. Fewer enquiries move between banks.

How it helps.

Track Payments Manually or Through Your Own Channels

 Two tools cover different needs. The Basic Tracker is a free interface for manual tracking and confirmation. The Front-End Tracker is an API to embed status in your own channels.

Overview


Every payment carries a UETR, which the Tracker uses to record its progress across each institution in the chain. The status of a payment, its timestamps, routing, and the confirmed amount are available from the point it is sent to the point it is credited or rejected.
Which tool fits depends on volume and how you want to consume the data. Institutions with lower volumes use the Basic Tracker, a free interface that also supports manual confirmations. Institutions that want to show status inside their own applications use the Front-End Tracker API.
Since 22 November 2020, eligible institutions must confirm the outcome of incoming payments through the Tracker. Compliance is measured and shared across the community, so tracking is both a service to customers and a regulatory obligation.

Benefits


 Direct answers on status

Tell customers where a payment is and when it was credited, without contacting a correspondent.


 Fewer payment enquiries

Definite outcomes reduce the volume of standard investigations your team handles.


 Mandate compliance

Confirm incoming payments within the required window and keep your compliance status in the green.


 A base for further services

Tracked and confirmed payments support related services such as Case Management.

FAQs

The Basic Tracker suits lower volumes and manual confirmation. The Front-End Tracker API suits institutions that want to display payment status inside their own customer or operations channels.

The unique end-to-end transaction reference. It stays with a payment across every institution in the chain, which is how the Tracker links each status update to the same payment.
Eligible institutions must confirm the final outcome of incoming payments within two business days. Performance is measured across the community.
The Basic Tracker is free to all Swift-connected institutions. The Front-End Tracker is a subscription service with no additional per-call charge

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