> ## Documentation Index
> Fetch the complete documentation index at: https://developers.uqpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Tracking and Universal Confirmations

> How SWIFT payment tracking works in UQPAY, including status definitions, FAQs, and Universal Confirmation requirements.

## SWIFT payment tracking

### Statuses

**Processing**

The paying bank has instructed the payment, but the beneficiary bank has not yet confirmed receipt. Review the Payment Tracker or Payment Events tab for details.

**Rejected**

The payment failed before reaching the beneficiary. Allow 5 days for funds to return. If not received after 5 working days, contact support.

**Completed**

The beneficiary bank has confirmed via the SWIFT network that the recipient's account has been credited.

<Note>
  These statuses may differ elsewhere in Direct. Check the SWIFT payment tracking interface for current information.
</Note>

## FAQs

**What is a typical timeframe for a payment?**

Most payments credit the same day. As of October 2020, 42% of all SWIFT payments credit the beneficiary bank account in under 5 minutes, with some countries seeing even faster delivery.

**Why does my payment say "Processing" still?**

This means confirmation from the beneficiary bank has not arrived yet -- either the payment has not been received or the bank has not reported receipt to SWIFT. A "Completed" status elsewhere indicates funds left UQPAY's account, not beneficiary receipt.

**Are all payment events reported?**

All UQPAY payments support SWIFT gpi with unique tracking IDs, but not all global banks are SWIFT gpi-enabled, so tracking data may be incomplete for some payments.

**What is Universal Confirmation?**

Mandated for SWIFT members since November 2020, Universal Confirmation requires confirmation when payments are credited, held, or transferred outside SWIFT.

**What is the benefit of Universal Confirmation?**

It provides better tracking visibility for both inbound and outbound transactions.

**Has my payment been made to a beneficiary?**

Upon settlement, an automated confirmation email is sent and the status updates to "Completed." This indicates the payment was made per instructions and is awaiting recipient delivery.

**What information is mandatory for my payment?**

Required information depends on payment type, payer country, payer entity type, beneficiary country, beneficiary entity type, and destination country.

**What happens if a payment fails?**

If failure occurs before completion, the fee is canceled and not debited. If failure occurs after completion, the fee is not automatically credited back.

**Can I apply different fee currencies per payment route?**

No. All fees use a single currency within each customer account, defined in the fee table.

**If there are insufficient funds to cover the payment fee, will the platform auto-convert funds?**

No. Sufficient funds must exist in the relevant currency for both payment and fees, or the payment will not execute.

**What if my customer lacks funds for the fee?**

The payment will not execute without sufficient funds covering both payment and fees. Options include topping up the balance, converting from another currency, or reducing the fee amount.