ACSP ·G000
Passed on to the next bank
In progress. The bank sent the payment on to the next gpi bank.
Payment Tracking · for Swift gpi
Know where every payment is, bank by bank.
WICS Payment Tracking follows every payment your bank sends and receives, end to end, by its UETR. See its status at each bank in plain words, the fees each bank took, and when the money reached the beneficiary.
For Swift gpi customer payments (gCCT), cover payments (gCOV), bank-to-bank transfers (gFIT) and Stop and Recall (gSRP).
wics.your-bank.internal/payment-tracking/journey
WICSPayment Tracking · Journey
2AK
UETR3f9c2a71-5d0e-4b8a-9c41-7e2d6b0f18a3SentgCCT
Northwind Trading LLCLumen Pharma SA
Amount sent
250,000.00 USDFees deducted
−50.00 USDAmount credited
215,256.94 EURFX USD → EUR · 0.8612Time to credit
1 h 34 minXYZBAEADAbu DhabiYour bank
09:12no feeG000
QWNBUS33New YorkCorrespondent
09:41−25.00G000
QRSTDEFFFrankfurtIntermediary
10:05−15.00G000
XKTLFRPPParisBeneficiary bank
10:46−10.00ACCC
10:46XKTLFRPPACCCCredited to the beneficiaryConfirmed by XKTLFRPP
Illustrative — invented names and figures.
Status in plain words
The Tracker speaks in codes. Your team reads words.
Each bank on the way reports a status to the Swift gpi Tracker in ISO 20022 code words. WICS shows the code and what it means, at every bank.
One payment, one UETR
3f9c2a71-5d0e-4b8a-9c41-7e2d6b0f18a3
- 36 characters
- Created by the first bank
- The same at every bank
- XYZBAEAD3f9c2a71…
- QWNBUS333f9c2a71…
- QRSTDEFF3f9c2a71…
- XKTLFRPP3f9c2a71…
MT · block 3, field 121
{3:{121:3f9c2a71-5d0e-4b8a-9c41-7e2d6b0f18a3}}ISO 20022 · pacs.008, pacs.009
<UETR>3f9c2a71-5d0e-4b8a-9c41-7e2d6b0f18a3</UETR>ACSP: accepted, settlement in progress — with a reason
ACSP ·G001
Passed on outside gpi
In progress. The next bank is not on gpi, so later updates may not come.
ACSP ·G002
Credit may not be same day
In progress. The beneficiary’s bank may credit it on a later day.
ACSP ·G003
Documents requested
Pending. The bank needs documents or more information first.
ACSP ·G004
Waiting for cover
Pending. The bank waits for the funds or the cover payment.
Final status
ACCC
Credited
Done. The money is on the beneficiary’s account.
RJCT
Rejected
Stopped. A bank on the way refused the payment.
Customer service
“Where is my payment?” Answered in seconds.
Search by UETR, reference, customer, amount or date. Open the payment: where it is, which bank took which fee, when it was credited.
- Five ways to search, one result screen
- The whole journey, bank by bank
- One sentence that answers the customer
- Share the journey with the customer
wics.your-bank.internal/payment-tracking/search
WICSPayment Tracking · Search
AK
Search by
CustomerCedar Foods
DateCustomerAmountStatus
UETRe84a2c6f-01b9-4d37-9e5a-b2f71c08d3e5ACSP · G004
XYZBAEAD13:58
QWNBUS3314:26
ZQLDSGSG15:01
At ZQLDSGSG since 15:01: Pending — waiting for cover.
Sent 75,000.00 USDFees deducted 25.00 USD
Try it: pick a search, then a payment.Illustrative — invented names and figures.
Confirmations
Your confirmations to the Tracker, sent for you.
When your bank credits, rejects or passes on an incoming payment, WICS sends the confirmation to the Swift gpi Tracker straight from the payment flow. The rest wait in one queue, each with a countdown to its deadline.
- Credited, rejected or passed on: confirmed automatically
- One queue for incoming payments still to confirm
- A countdown on each, so none misses its deadline
- Sent in ISO 20022, as the Tracker expects today
wics.your-bank.internal/payment-tracking/confirmations
WICSPayment Tracking · Confirmations
1AK
To confirm
5
Confirmed today
1,284
Sent automatically
94.2%
Incoming payments to confirm
10:30ReceivedFromBeneficiaryAmountWaiting forDue in
Sent to the Tracker
ISO 20022 · trck- 10:26ACCCDeliveredd63979b7-ea6d-453d…QWNBUS33Automatic
- 10:19ACCCDelivered54c7815e-cd00-491f…QZRTGB2LAutomatic
- 10:11ACSP · G000Deliverede2e2e313-2113-4c13…QRSTDEFFAutomatic
- 10:04RJCTDeliveredc33d1eb0-2e33-4242…XKTLFRPPby R. Haddad
Try it: open a payment in the queue and confirm it.Illustrative — invented names and figures.
Since November 2020, banks must confirm to the Tracker the status of the customer payments they receive (MT103 at the time): credited, rejected or passed on. Swift calls these Universal Confirmations.
Alerts
When a payment stops moving, the right team knows.
WICS watches every payment on its way. Stuck too long at one bank, documents requested, waiting for cover, rejected: each alert goes to the team that can act, through WICS Notifications.
- Stuck: no news from a bank for longer than you allow
- Documents requested (G003) and waiting for cover (G004)
- Rejected (RJCT), with the bank that refused it
- In the in-app bell or by e-mail
wics.your-bank.internal/payment-tracking/alerts
WICSPayment Tracking · Alerts
5AK
Stuck = no update for 2 h 00 min
- StuckNo update from QRSTDEFF for 2 h 25 min10:36Lumen Pharma SA310,400.00 EURPayments operations
- RejectedRJCTRejected by QZRTGB2L: account closed10:27Kestrel Marine Ltd12,900.00 GBPPayments operations
- DocumentsG003QXSASARI asks for documents10:18Orion Steel Works410,000.00 SARCustomer service
- CoverG004ZQLDSGSG waits for the cover10:09Meridian Shipping75,000.00 USDTreasury
- StuckNo update from QWNBUS33 for 3 h 10 min10:00Kestrel Marine Ltd2,400,000.00 USDPayments operations
Who hears
- Payments operations3StuckRejectedjust now
- Customer service1Documentstoday
- Treasury1Covertoday
Sent through WICS Notifications
Try it: filter by kind of alert.Illustrative — invented names and figures.
Stop and recall
Sent in error? Stop it, and follow every answer.
Raise a stop-and-recall request for a payment sent in error or after a fraud. WICS sends it along the payment’s route and shows each bank’s answer as it comes in.
- Pick the payment, then the reason
- A second person approves before it goes
- Each bank’s answer, as it comes in
wics.your-bank.internal/payment-tracking/recall
WICSPayment Tracking · Stop and recall
AK
Payment
Funds backb5e17c3a-62d4-4f09-8a1e-d39c0f7b25e6
Al Noor ContractingBlue Harbor Supplies Ltd
86,500.00 USDRoute
XYZBAEADAbu DhabiG000
QWNBUS33New YorkG000
QZRTGB2LLondonG002
Reason
Linked to a WICS Payment Fraud case
- Request raised11:34
by you · Fraud
- Approved by a second person11:36
by R. Haddad
- Sent along the routegSRP11:36
- QWNBUS33: already passed on11:41
- QZRTGB2L: stopped, funds will be returned11:58
- Funds returnedpacs.00412:40
86,475.00 USD
Try it: choose a reason and send the request.Illustrative — invented names and figures.
Performance
Which corridors are fast. Which banks cost the most.
Time to credit, the share credited the same day, and the fees each correspondent deducts — by corridor and by correspondent.
- Median time to credit, by corridor
- Share credited the same day
- Fees deducted, by correspondent
- Your own reports from the WICS report centre, e-mailed on a schedule
wics.your-bank.internal/payment-tracking/performance
WICSPayment Tracking · Performance
AK
Last 30 days
- Payments tracked
- 18,420
- Credited same day
- 90.6%
- Median time to credit
- 1 h 05 min
- Fees per payment
- 20.73 USD
CorridorPaymentsTime to creditSame day
AE → USUnited States5,210
96.1%
Credited same day
18.20 USD
Fees per payment
Time to credit
- Under 30 min38%
- 30 min – 1 h41%
- 1 – 4 h17%
- 4 – 24 h3%
- Over 1 day1%
Try it: switch the view, pick a row, or schedule the report.Illustrative — invented names and figures.
Formats & channels
Fed by the payments you already send.
WICS reads your MT and ISO 20022 payments from the channels your bank uses today, and finds each one’s UETR.
- pacs.008
- pacs.009
- pacs.009 COV
- pacs.002
- pacs.004
- MT103
- MT202 COV
- {121:UETR}
- ISO 20022
- trck
- gCCT
- gCOV
- gFIT
- gSRP
- REST
- SOAP
- IBM MQ
- Kafka
- SFTP
01
API
Your payment system sends each payment as it goes.
- REST
- SOAP
02
Message queues
WICS listens on the queues your systems already use.
- IBM MQ
- Kafka
03
Files
Payment files your systems drop, picked up on their own.
- SFTP
- Watched folders
Better together
Control
Each team sees its own payments.
Payment Tracking follows the same rules as the rest of WICS.
Units
Each branch follows its own payments. Head office sees them all.
Permissions
People see only the screens and actions they were given.
Four eyes
Changes to the setup wait for a second person.
Audit log
This application keeps its own log: who did what, and when.
Three languages
English, French and Arabic, right to left.
Notifications
Alerts reach people in the bell or by e-mail.