Swift gpi code

03.09.202203.09.2022 admin 0 Comments

Swift gpi code

SWIFT GPI

SWIFT global payments innovation (gpi)

Международная инициатива SWIFT по внедрению инновационной системы в области международных расчетов (gpi) значительно улучшает качество обслуживания клиентов при осуществлении международных платежей за счет повышения скорости, прозрачности и непрерывного отслеживания международных платежей.

На сегодняшний день более 660 финансовых институтов присоединились к инициативе gpi по всему миру. Тысячи международных платежей уже осуществляются с помощью нового стандарта, что дает банкам и их корпоративным клиентам неоспоримые преимущества.

SWIFT gpi направлен на улучшение расчетов между юридическими лицами. Инициатива создана для того, чтобы помочь компаниям развивать международную деятельность, улучшать отношения с поставщиками и совершенствовать контроль денежных потоков. Благодаря инициативе SWIFT gpi компании уже сегодня получают целый ряд возможностей в области расчетных услуг, такие как:

SWIFT gpi функционирует на основании ряда бизнес-правил, предусмотренных в многосторонних соглашениях об уровнях обслуживания (SLA), которые должны соблюдаться банками-участниками. Новая система создана для удовлетворения потребностей корпоративных клиентов, при этом позволяя самим банкам соблюдать нормативные требования, а также свои обязательства в отношении рыночных и кредитных рисков, а также риска утраты ликвидности. Система построена на надежной и устойчивой международной платформе SWIFT. Участником может стать любое регулируемое финансовое учреждение (группа 1 в системе SWIFT), которое входит в сообщество SWIFT и соблюдает предусмотренные инициативой правила ведения бизнеса.

В рамках внедрения gpi, SWIFT представляет специальные условия подписки на этот сервис для малых и средних пользователей, имеющих трафик до 300 сообщений в день.

ВОПРОСЫ и ОТВЕТЫ

1. В чем ключевые отличия технологии gpi от классической системы?

2. В чем заключаются преимущества для банков и клиентов?

3. Сравните стоимость двух систем для банков?

4. Как много банков уже подключились к gpi?

5. Сколько транзакций (количество и объем) уже прошли по gpi?

6. Одно из преимуществ технологии gpi – это возможность отслеживания транзакции на всем пути от отправителя до получателя. Как это работает на практике?

7. Как влияет участие в gpi на построение платежной цепочки?

8. Насколько быстрее обрабатываются платежи? Какие обязательства по скорости обработки появляются у банка, присоединившегося к сервису? Должно ли это проиcxодить мгновенно?

9. Как SWIFT gpi помогает соответствовать комплаенсу?

10. Существуют ли какие-либо ограничения по валютам? Можно ли включить рублевый платеж в gpi?

По вопросам, связанным с подпиской на сервис SWIFT gpi, а также о специальных условиях для российского сообщества, обращайтесь, пожалуйста, в РОССВИФТ. Контактные лица: Ольга Свирина, Алсу Миннибаева.

SWIFT gpi

The new norm
in cross-border payments

By embracing SWIFT gpi – the new standard in global payments – financial institutions are now sending and receiving funds quickly and securely to anyone, anywhere in the world, with full transparency over where a payment is at any given moment. SWIFT gpi dramatically improves cross-border payments across the correspondent banking network, and not least for corporates for whom speed, certainty and a smooth international payments experience is an absolute must.

SWIFT Platform evolution

Our vision is for instant and frictionless payments, from account to account, anywhere in the world.

A SOLUTION FOR EACH STEP OF THE TRANSACTION

Transactional services

Our core gpi services make sending cross-border payments fast, transparent and trackable.

Pre and post-transaction services

Our pre and in-flight payment services reduce friction and make your cross-border transactions even more seamless.

Services for corporates

Our services for corporates will deliver all the benefits of gpi directly to your corporate customers in their back office systems.

SWIFT gpi enables you to

Deliver a transformed customer experience

Your customers expect the best. Whether it’s a pizza, a parcel or a cross-border payment, they expect their payment to be trackable right to the beneficiary. That’s what you can deliver with SWIFT gpi.

Cut costs in your back office

How many man hours do you spend checking on the status of payments? With the gpi Tracker at your fingertips, you and your customers can access real-time payments data any time.

Reduce friction with your counterparts

When payment exceptions occur and an investigation is needed, you want to close the case as quickly as possible. Our transaction services enable you to automate many cumbersome manual processes.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

Delivering added-value

With more than 300 billion USD in messages being sent every day, SWIFT gpi is enabling payments to be credited to end beneficiaries within minutes and even seconds.

SWIFT gpi has a range of features that deliver added-value to both your bank and your customers.

The gpi Tracker

End-to-end payments tracking

In today’s world, customers expect greater transparency. When they send a payment, they want to know what is happening with it and when it has been received. Until now, this has not been possible in cross-border payments as each bank has only been able to guarantee and share information on its own leg of the payment.

SWIFT gpi now enables banks to provide end-to-end payments tracking to their customers. The SWIFT Tracker – ‘in the cloud’ and securely hosted at SWIFT – gives end-to-end visibility on the status of a payment transaction from the moment it is sent right up to when it is confirmed.

SWIFT gpi banks are able to log in to the Tracker to instantly check the status of the payments sent, in progress and received. They can even improve their liquidity management by having visibility on initiated payments already on their way.

The Tracker can be updated by FIN message or via API. It can be accessed via a graphic user interface (GUI) and also via API calls to allow the service to be embedded in other back-office systems.

The gpi Observer Insights

A global view of banks’ adherence to the gpi rulebook

SWIFT’s Business Intelligence gpi Observer Insights monitors your adherence to the gpi rulebook – the ‘business rules’.

Gpi banks can quickly pinpoint areas for improvement and work collaboratively towards better implementation of SLAs.

Also, with Observer Insights, all gpi banks have a global view of other gpi banks’ adherence to these SLAs.

Through these business insights, it is easier to have fact-based discussions with your correspondents, to select new payment routings and explore opportunities to develop new ones. Learn more about gpi Observer Insights and gpi Observer Analytics.

The gpi Directory

A complete list of all gpi members

All member banks are listed in the gpi Directory. This includes details such as: which banks can send and receive gpi payments by business identifier code (BIC); in which currencies; reachable through which channels; cut-off times; and if a bank acts as an intermediary for gpi payments.

The Directory benefits all banks involved by enabling comprehensive end-to-end path finding for gpi payments. It is available in a wide variety of formats and accessible via automated delivery channels.

Explained: SWIFT gpi UETR – Unique End-to-End Transaction Reference 12

At the heart of the SWIFT gpi initiative is something called the UETR. In this post, i will share everything i know and likely you need to know about the UETR. So let’s jump straight into it…

What is SWIFT gpi?

Before we delve into the UETR, we need to know what the SWIFT gpi is. In a nutshell SWIFT gpi refers to SWIFT’s Global Payments Innovation initiative, enabling:

As mentioned above, driving the SWIFT gpi initiative is the UETR….

What is the UETR – Unique End-to-End Transaction Reference?

As stated already the UETR is a Unique End-to-End Transaction Reference. The UETR is:

Which Message Types Require the UETR – Unique End to End Transaction Reference?

The SWIFT Standard MT Release 2018 requires you to populate (it is currently optional) the UETR in the FIN user header (block 3) for the following MT messages:

What are the UETR SWIFT Format Requirements?

As stated above, the SWIFT Standard MT Release 2018 makes it mandatory for you to add the UETR in field 121 within block 3 of the FIN header.

The UETR (Unique End to End Transaction Reference) must be:

Where to indicate the UETR Field 121 in the SWIFT Header Block 3

If you’re new to SWIFT formatting, i would recommend having a read of my earlier post The Structure Of A SWIFT Message, Explained! That post deals with a MT101 header, but the idea is the same. Note, below i have indicated in bold the message type (103). Here is what your existing MT103 header looks like:

and now with the UETR you must generate something like this:

When SWIFT gpi is released to the broader corporate user base, you’ll indicate field 121 in your MT101 header in exactly the same way. Easy peasey, eh?

What is the Service Type Identifier Field 111?

Field 111 is to be placed in the header section block 3, and is to be used as indicated below by SWIFT gpi members only:

Couple of things to note:

Okay, I have a generated the UETR – What Next?

Further information can be found at:

12 thoughts on “ Explained: SWIFT gpi UETR – Unique End-to-End Transaction Reference ”

I believe this article has incorrect information.
Prior to MT standards 2018 it is not allowed to use the 111 and 121 tags if not part of the gpi Closed User Group (error code G27).

The doc below for MT Standards 2017 states:
Field 111 and f‌ield 121 must both be present or both absent (error code U12)

What if as a intermediary bank i change the UETR value and payment get failed.

If a bank creates a fresh payment UETR, it will be tracked as a new and a separate payment. The previous one will be continued to be shown as with this bank.

Where and how can one find a swift gpi code for top 25 banks

can anyone please please uploaded SWIFT Standard Release SR 2019 changes documents / pdf

can any one please share me the SWIFT standard release SR 2019 changes?

Can anyone please share me the SWIFT SR 2019 changes?

Hello guys, I need a serious sender of MT103 direct, Plus or Manual download. Receiver is ready. Contact me via : tracyallen358@gmail.com

Can no GPI banks still receive money sent through GPI

What if a GPI enabled Bank does not send Service Type Identifier but send just a UETR for some payments. Will that bank will receive Updates of those Payments via SWIFTgpi tracker?

SWIFT GPI

SWIFT global payments innovation (gpi)

На сегодняшний день более 785 финансовых институтов присоединились к инициативе gpi по всему миру. Тысячи международных платежей уже осуществляются с помощью нового стандарта, что дает банкам и их корпоративным клиентам неоспоримые преимущества.

ВОПРОСЫ и ОТВЕТЫ

1. В чем ключевые отличия технологии gpi от классической системы?

2. В чем заключаются преимущества для банков и клиентов?

3. Сравните стоимость двух систем для банков?

4. Как много банков уже подключились к gpi?

5. Сколько транзакций (количество и объем) уже прошли по gpi?

7. Как влияет участие в gpi на построение платежной цепочки?

Банки, подписавшиеся на сервис gpi, принимают на себя обязательство обрабатывать платежи на транзакционном уровне в течение 24 часов. Если это в силу объективных причин невозможно, банк должен уведомить об этом Тracker соответствующим кодом, предусмотренным в SLA. Статистика живого трафика уже сегодня показывает, что это возможно: около 50% всех транзакций обрабатываются за 30 минут. При различии временных зон между банками-корреспондентами Tracker автоматически переводит время платежа в UTC в целях соответствия правилам SLA.

9. Существуют ли какие-либо ограничения по валютам? Можно ли включить рублевый платеж в gpi?

SWIFT GPI: как с ним работать и как с его помощью улучшить банковские продукты

В методическом журнале «Международные банковские операции» опубликована подробная статья о сервисе Global Payments Innovation (GPI).

SWIFT gpi – Universal Confirmations (Basic Tracker)

Начиная с ноября 2020 года (с выпуском Standard Release 2020), все пользователи SWIFT (FIN) будут обязаны вносить информацию о статусе входящих сообщений MT 103 в упрощенную версию gpi Tracker.

What is a Unique End-to-end Transaction Reference (UETR)?

A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over SWIFT.

What is a UETR?

A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over SWIFT.

UETRs are designed to act as a single source of truth for a payment and provide complete transparency for all parties in a payment chain, as well as enable functionality from SWIFT gpi, such as the payment Tracker.

How do they work?

A UETR is very much like the tracking number couriers use when you send or receive a parcel. The sender issues a unique, unalterable reference which allows a payment to be located at any time, by any of the parties in the chain. UETRs are fully digitised and totally transparent − leading to fast, efficient processing. The sender is also automatically notified of any status changes applied by any banks handling the payment and − crucially − confirmation that the funds have been credited to the beneficiary or rejected at any point in the payment chain.

Why are UETRs so important?

In today’s digital world, banking services are being driven by developments in the consumer space. People now expect clear, accurate and real-time payment information.

UETRs are fundamental to meeting these demands by delivering genuine transparency and true end-to-end tracking of international payments.

When a payment is delayed, the beneficiary needs and expects to be able to find out quickly where the funds are and why that delay has occurred. The consequence of not having this visibility is a series of frustrating manual interventions, friction, and delays to the flow of goods and services. For beneficiary banks, UETRs drastically reduce exceptions and investigations as banks involved earlier in the process can view, in real-time, the latest payment status – meaning they no longer have to contact the beneficiary bank.

Who should provide a UETR?

All SWIFT users (whether gpi members or non-gpi members) originating payments must provide a UETR as standard for each of the following message types:

What benefits do UETRs bring?

UETRs allow banks to easily trace their payments in real-time, regardless of complexity or the number of counterparties involved.

They also remove the need for a chain of references between the originating, intermediary and beneficiary banks, ensuring that all parties are using the same end-to-end reference. This reduces errors and the likelihood of conflict, saving time and money on reconciliation.

They also provide a number of other benefits, including:

How do I ensure compliance?

When ordering institutions generate a payment message, their internal systems are required to generate and include a UETR for all of the message types (listed above) in the 121 field of the message.

Intermediary institutions must not generate a new UETR when routing payments, but their internal systems must be able to receive, copy and pass on the code that was present in the received message to other parties in the chain. Therefore, intermediary bank systems must also be able to handle UETRs.

Likewise, beneficiary banks (even if they are not gpi customers), must be able to receive and process UETRs to reconcile payments.

Institutions issuing cover payments must be able to create a copy of the original UETR and pass it over to the cover payment message.

Universal confirmations

From the end of 2020, all SWIFT member banks will be required to provide confirmation of payments status to the Tracker once they have been credited to the end beneficiary’s account − this must include whether payments have been rejected. As of Standards MT release 2020, universal confirmations will apply to every single customer payment (MT 103 on FIN).

SWIFT also recommends providing a status update if the payment is transferred to an agent outside of FIN or when the payment cannot be processed immediately. This will give customers certainty on the status of their payments, a demand that is being intensified by the proliferation of domestic real-time payment infrastructures and consumer pressure for payments to be delivered in real-time.

The Basic Tracker

Finally, to extend the benefit of payments tracking and confirmations to all SWIFT financial institutions, we are introducing the Basic Tracker. Our free Basic Tracker enables financial institutions to track all their payments from end to end in real time. It also allows banks to manually confirm payments and meet the requirements around universal confirmations. It does though lack the advanced features of the UETR leveraging, paid-for SWIFT gpi Tracker, such as the tracking of intermediary routing, cover payments and value-added services − such as being able to stop and recall payments through the Tracker.

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SWIFT GPI

Current Problem Statement

The cross border transactions have historically been a puzzle for most of the banks as they cannot predict the exact time and fees to complete the transaction. Moreover, it becomes very difficult to track the payment once it goes out of the processing bank. The involvement of multiple banks (generally referred as correspondent banks) across countries in a single transaction makes it difficult to manage due to lack of common standards and regulation.

In today’s world, where consumers from all segments are time sensitive it has been a constant demand from the banks and corporates to realize the cross border funds quickly, easily and relatively inexpensively.

How SWIFT GPI works

To address the above challenges, SWIFT has introduced an initiative called SWIFT’s Global Payments Innovation (SWIFT GPI). By joining all participants in a payment chain through a Unique End to End Tracking Reference (UETR), SWIFT GPI can improve the availability, transparency and tracking of payments. This UETR is a 36 figure long globally unique identifier open source code which has to be included in the header of the messages by all the banks in the payment chain. Banks can request the status of the payment through an API call or MT199 to the SWIFT cloud along with the UETR to track the payment in real time.

Business Benefits

Services delivered by SWIFT currently:

SWIFT GPI Instant

SWIFT has successfully tested a trial recently on SWIFT GPI Instant for cross border payments in FAST which is Singapore`s domestic instant payment service. It involved 11 countries where the payment was sent to six banks in Singapore and the payments were processed domestically through FAST system.

All the cross border payments settled within 25 seconds of the initiation.

How HCL can help

SWIFT GPI will be the standard for all cross-border payments by the end of 2020 and it has already mandated to include the GPI information for all SWIFT users regardless of the GPI membership. Despite the huge benefits and regulatory compliance, Banks would find difficult to implement the change due to upgrade in the back office legacy systems and support of the workflow.

With a dedicated Payment Solutions team of more than 150 experts, HCL has helped banks and financial services of all sizes in implementing GPI as per the rule book, helping them significantly reduce time to market. HCL provides a comprehensive solution to build overlay services and integrate with the existing infrastructure.

Some of the key offerings of HCL:

Integration Partner	Build strong business case	Creating strong business cases for the internal stake holders to generate short term and long term strategic opportunity
	Understanding of GPI Rule Book	In depth understanding of SWIFT GPI as per the rulebook to comply with the regulation.
	Define the implementation strategy	Defining the implementation strategy based on the size and complexity of the bank and FIs.
	Provide and Support IT delivery	Gathering requirement, design, development and testing activities (including automation) of the implementation.

Solution Partner	Develop user friendly interface	Developing simple user friendly interface in-house which will help to track all the payments through single interface
	Enquire functionality with enhanced search parameters	Additional parameters to expand the search criteria for operations and customers
	Channel agnostic solution	Access GPI information through any channels of the banks through API
	Build new workflows	New additional workflow for different payment scenarios
	Status updates reconciliation	Different status updates from the GPI tracker is reconciled with the original payment and statuses are mapped to user understandable formats.
	Bespoke and configurable GPI reports	Wide range of GPI reports for customer, back office and management
	Bespoke and configurable notifications	Configurable notifications for the payments which are struck in SWIFT Alliance Access (SAA), SWIFT Alliance Gateway (SAG) and other SWIFT infrastructure during payment processing

Future Roadmap

The current and future functionalities, including those involving distributed ledger technology, would immensely help the entire ecosystem and HCL would continue to be a pivotal integration and solution partner of SWIFT global payments innovation.

SWIFT global payments innovation (gpi)

Global banks are working together to make a dramatic change in cross-border payments

In today’s digital world, when you make a cross-border payment you expect the service to be delivered at the touch of a button. Yet, in reality, cross-border payments can take days, can’t be tracked, there’s a lack of transparency on fees and remittance data can get altered in the process.

Today, SWIFT gpi is transforming the cross-border payment experience entirely, by:

SWIFT gpi has already been adopted by more than 150 banks around the world and more than 100 billion USD in SWIFT gpi messages are being sent every day – enabling payments to be credited to end beneficiaries within minutes or seconds. SWIFT gpi payments now represent nearly 10% of SWIFT’s cross-border payments traffic, sent daily across 220 international payment corridors.

SWIFT gpi is set to be the standard for all cross-border payments by the end of 2020.

Value for gpi banks

SWIFT gpi enables banks to:

Value for corporates

SWIFT gpi enables bank’s corporate customers to:

The digital transformation of cross-border payments

Facilitating a seamless payments experience

Fast, transparent and trackable payments

The future of cross-border payments

In a world of interconnected global commerce, paying for goods and services across borders has become standard practice. For businesses, it is key that international trade be as frictionless as possible.

That’s why corporates are insisting their banks provide a faster, simpler, and more transparent cross-border payments experience, making them as seamless as domestic payments.

Through SWIFT gpi, banks and financial institutions are now able to deliver this.

SWIFT gpi lets you make high-speed cross-border payments in minutes or seconds.

Nearly 50% of gpi payments are credited to end beneficiaries within 30 minutes, 40% in under 5 minutes, and almost 100% of gpi payments are credited within 24 hours.

This brings immediate benefits to global trade – corporates can take advantage of easier cash flow management and more predictable budgeting, spending, and investing.

Trackable

We are used to tracking everything from a parcel to a pizza in real time, so why not a payment?

Bank customers want to know when a payment is sent, where it is, and when it reaches the end recipient.

With gpi, banks can track their payment flows end-to-end and in real time.

This provides maximum visibility on ongoing cross-border transactions. And when problems occur or customers have a question, banks can intervene faster to resolve any issues or enquires in a timely and efficient way.

Transparent

Transparency on fees and processing times is a vital requirement for any business that relies on making or receiving international payments. A lack of visibility on costs leads to uncertainty for corporates making payments and time spent trying to reconcile unclear debits.

Through gpi, banks can provide their customers with full visibility on processing fees, exchange rate costs and processing times, meaning all parties can manage their finances and relationships accordingly – and make better decisions faster.

Complete

Data integrity is central to meeting customer needs in international payments. Without reliable and consistent remittance data, it can be difficult to keep track of payments or reconcile invoices and final settlement can be delayed.

With SWIFT gpi, the remittance data that corporates send with their payments is guaranteed to be unaltered when it arrives with the end beneficiary. Beneficiaries can then easily reconcile gpi payments against invoices, speeding up their supply cycles.

Secure

Sending international payments presents various challenges, including variations in national banking rules and systems, import and export restrictions, foreign exchange controls, and regulatory compliance.

SWIFT’s compliance and security controls mean your payments business can stand up to the rapidly evolving nature of digital threats and regulatory reforms, whilst maintaining the high level of speed that customers have come to expect.

The SWIFT gpi customer credit transfer

Changing the world to make cross-border payments faster, transparent and traceable

The SWIFT gpi customer credit transfer

Key features

The gpi customer credit transfer SLA dramatically improves the business-to-business cross-border payments experience for corporate customers. It commits participating banks to deliver on four core principles:

Faster, same-day use of funds *

Same day use of funds is increasingly the norm for domestic payments systems and corporates are naturally demanding similar service levels for their cross-border payments.

Corporates want the ability to pay with precision, according to their trading agreements, without having cash trapped in the payment cycle – and without risk of penalties for late payments.

The gpi customer credit transfer delivers same day use with certainty. The benefits are clear – improved liquidity, reduced cost of working capital and reduced risks.

(*) within the timezone of the receiving gpi member

Traceability

Transparency

Lack of transparency around fee deducts also reduces efficiency for corporates and can lead to supplier disputes and reconciliation issues when payments are not received in full. The gpi customer credit transfer puts an end to these uncertainties by delivering full transparency of fees.

Remittance information transferred unaltered

The gpi customer credit transfer enables corporates to include up to 140 characters of remittance information which is carried unaltered across the payments process. This facilitates reconciliation of payments and prompt posting to accounts, improving working capital efficiency and reducing errors and investigations.

SWIFT gpi for corporates

Pay for your international goods and services in minutes or seconds and track your payments.

SWIFT gpi features for Corporates

Community of thousands of banks

Thousands of banks, including all of the major cash management banks, are committed to adopting SWIFT gpi.

gpi for Corporates banking groups signed up

Bank of America

National Australia Bank

Saudi British Bank

Standard Chartered
SMBC
Turkiye Vakiflar Bankasi
UBS
UniCredit
Western Union
Yapi Kredi
Zhejiang E-Commerce Bank

Pay and trace

Our solution for multi-banked corporates enables the initiation and tracking of all your payment flows across all of your banking partners. This service can be integrated directly into your treasury management or ERP system, and uses the latest standards, including ISO 20022.

Inbound tracking

We’re closing the payments loop by offering banks full traceability on incoming gpi payments, bringing new visibility on liquidity and freeing up funds faster.

Request to pay

Modern commerce demands fast supply chains and simple procurement and payment flows. Equipping banks with the tools to provide their corporates with a fully integrated and automated procure-to-pay engine through gpi will provide better predictability, more certainty and greater traceability on transactions.

Link with trade ecosystems

For participants in closed trade ecosystems, being able to provide fast, transparent and trackable off-ledger payment settlement in a fiat currency brings significant benefits. Our service to link gpi with these systems will unlock new possibilities for corporates to settle their payment obligations.

The digital transformation of cross-border payments

Facilitating a seamless payments experience

SWIFT gpi document centre

On this page you will find all the documents available on this topic

Hear from Raouf Soussi, BBVA.

Hear from Isabel Schmidt, BNY Mellon.

Hear from Jean-François Mazure, Société Générale.

Find out how J.P. Morgan is leveraging SWIFT’s stop and recall service to streamline and automate the halting of.

Download this ebook to learn how financial institutions can deliver a better payments experience.

First National Bank of Omaha leverages SWIFT gpi payments data to support international business growth across the.

Find out how China Minsheng Bank is delivering value-added services for its corporate customers using the gpi Stop and.

Imagine a world where cross-border payments could be made by consumers and small businesses in an easy, predictable.

Cross-border payments are fast, transparent and fully traceable thanks to SWIFT gpi. Now a new phase of innovation is.

Find out how one of Russia’s leading banks is delivering a transformed payments experience for its corporate customers.

Swift gpi code

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По сделанному в ГПБ свифт переводу банк предоставил только распечатку поручения на перевод в формате MT-103. Но для отслеживания прохождения платежа мне нужно получить SWIFT GPI код (он же UETR код). Газпромбанк к этой системе подключен, отправил перевод через нее и естественно имеет информацию по коду/идентификатору отслеживания платежа. В чем проблема его предоставить клиенту. В Тинькове я этот код вижу в один клик в приложении, а в ГПБ не помогает и личное обращение к директору по премиальному обслуживанию в офисе. Никакие розыски платежа для этого не нужны. Банк, подключенный к сервису SWIFT GPI видит прохождение своего платежа (SWIFT list) за одно нажатие клавиши мышкой на терминале SWIFT. В чем вообще проблема в передаче этой информации клиенту. Или вы думаете, что списали деньги со счета, взяли немалую комиссию за перевод и все? Дальше это проблемы клиента?

SWIFT gpi for capital markets

Reducing friction in cross-border securities and foreign exchange transactions

SWIFT gpi is shaping the future of cross-border payments. A community of thousands of financial institutions are already leveraging gpi to deliver cross-border transactions that are near real time, transparent, cost effective, and secure.

Shifting regulation and a pressure to reduce costs and risk, combined with increasing customer expectations, are more than ever key areas of focus for the capital markets community. SWIFT gpi can help in a number of ways, including reducing the operational costs associated with processing cash payments, decreasing risks associated with incorrect allocations or missed deadlines, and enabling more informed cash management decisions.

SWIFT gpi can improve the payments process in many operational areas, including settlement and reconciliation, collateral management, corporate actions, foreign exchange and fund processing.

SWIFT gpi for capital markets

Reducing friction in cross-border securities and foreign exchange transactions

SWIFT gpi can improve the payments process in many operational areas, including settlement and reconciliation, collateral management, corporate actions, foreign exchange and fund processing.

Swift gpi code

With SWIFT gpi for Corporates (g4C), gpi flows are now directly integrated into corporate treasury applications (TMS/ERP), allowing multi-bank corporates to initiate and track their outgoing payments (Pay and trace) and to be notified about incoming payments (Inbound tracking) in a bank-agnostic way.

gpi for Corporates delivers the following benefits:

Multi-bank unique end-to-end reference generated at payment initiation

Full visibility on outgoing and incoming cross-border transactions (time, routing, number of intermediaries, fees)

Certainty and visibility on receivables with structured payment advice information, allowing for accelerated reconciliation and optimized liquidity management

Improved supplier relationship with certainty of payment, proof of execution and proactive issue-resolution

With this set of APIs, g4C payment tracking is now real-time. The APIs can be used by corporates (to track their own payments) as well as by banks (to track their customers’ payments). Being subscribed to gpi for Corporates is a pre-requisite to the use of these APIs over the SWIFT network.

For more information on gpi for Corporates, see SWIFT.com

Types of g4c API

Allow corporates and their servicing bank(s) to track Pay and trace and/or Inbound tracking transactions in real-time. 2 queries are available:

UETR search: provides the status and the related transaction-level information regarding a specific (incoming or outgoing) transaction.

Time-window search: provides the status of all transactions (incoming or outgoing) that have been updated within the specified timeframe.

g4C Notification Management (g4C banks only)

Allow g4C banks to configure criteria to only enable the reception of g4C notifications for a pre-defined list of customers and/or transactions.

Supported Developer Toolkit

This API will be supported by SWIFT SDK and SWIFT Microgateway.

Ordering and Provisioning

Subscribe to gpi for Corporates and start using the APIs.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

SWIFT gpi for banks document centre

Download the latest resources.

Hear from Raouf Soussi, BBVA.

Hear from Isabel Schmidt, BNY Mellon.

Hear from Jean-François Mazure, Société Générale.

Find out how J.P. Morgan is leveraging SWIFT’s stop and recall service to streamline and automate the halting of.

Download this ebook to learn how financial institutions can deliver a better payments experience.

First National Bank of Omaha leverages SWIFT gpi payments data to support international business growth across the.

Find out how China Minsheng Bank is delivering value-added services for its corporate customers using the gpi Stop and.

Imagine a world where cross-border payments could be made by consumers and small businesses in an easy, predictable.

Cross-border payments are fast, transparent and fully traceable thanks to SWIFT gpi. Now a new phase of innovation is.

Find out how one of Russia’s leading banks is delivering a transformed payments experience for its corporate customers.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

SWIFT gpi for banks document centre

Download the latest resources.

Hear from Raouf Soussi, BBVA.

Hear from Isabel Schmidt, BNY Mellon.

Hear from Jean-François Mazure, Société Générale.

Find out how J.P. Morgan is leveraging SWIFT’s stop and recall service to streamline and automate the halting of.

Download this ebook to learn how financial institutions can deliver a better payments experience.

First National Bank of Omaha leverages SWIFT gpi payments data to support international business growth across the.

Find out how China Minsheng Bank is delivering value-added services for its corporate customers using the gpi Stop and.

Imagine a world where cross-border payments could be made by consumers and small businesses in an easy, predictable.

Cross-border payments are fast, transparent and fully traceable thanks to SWIFT gpi. Now a new phase of innovation is.

Find out how one of Russia’s leading banks is delivering a transformed payments experience for its corporate customers.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

SWIFT gpi for banks document centre

Download the latest resources.

Hear from Raouf Soussi, BBVA.

Hear from Isabel Schmidt, BNY Mellon.

Hear from Jean-François Mazure, Société Générale.

Find out how J.P. Morgan is leveraging SWIFT’s stop and recall service to streamline and automate the halting of.

Download this ebook to learn how financial institutions can deliver a better payments experience.

First National Bank of Omaha leverages SWIFT gpi payments data to support international business growth across the.

Find out how China Minsheng Bank is delivering value-added services for its corporate customers using the gpi Stop and.

Imagine a world where cross-border payments could be made by consumers and small businesses in an easy, predictable.

Cross-border payments are fast, transparent and fully traceable thanks to SWIFT gpi. Now a new phase of innovation is.

Find out how one of Russia’s leading banks is delivering a transformed payments experience for its corporate customers.

Does your payments system vendor support gpi and universal confirmations?

We have a number of initiatives to support vendors in integrating gpi into their platforms.

Application vendors can play a major role in helping you implement universal payment confirmations. To date, 16 of the major global vendors used by SWIFT members have confirmed their support for SWIFT gpi capability. Through a structured and phased approach, we’re supporting the broader vendor community to help grow gpi adoption.

SWIFT has recently initiated a self-attestation programme for the Application provider community, where third-party financial applications can self-attest to their support for SWIFTgpi Universal Payment Confirmations.

The applications listed below have confirmed and shared their commitment to support at least one of the automated SWIFT gpi universal confirmations’ channels (MT 199/APIs) as per the universal confirmations’ rulebook and as part of the yearly standard release support for all the customers using their application.

SWIFT do not test or audit the product’s readiness, resilience, performance, overall quality, usability, scalability, supportability, or other generic commercial features.

If you need more information on how the support will be offered, please reach out to the respective application provider. If your application provider is not in the list, please share the details of the application provider below with SWIFT and SWIFT will reach out to the application provider to support them and take their input on SWIFT gpi Universal confirmations.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

SWIFT gpi for banks document centre

Download the latest resources.

Leading corporates have successfully implemented multi-bank gpi payments and tracking through their treasury.

This briefing, published by the European Association of Corporate Treasurers (EACT), dicusses how SWIFT gpi will address.

For corporate treasurers at the forefront of global trade, the experience of sending and receiving payments.

How payment market infrastructures can support gpi payments.

SWIFT Professional Services for gpi offers comprehensive support for all your gpi assistance needs. From kick-off to.

80% of Santander’s cross-border payments to be on SWIFT gpi by year-end

SWIFT lanza la herramienta gpi Observer Analytics

SWIFT lance l’outil gpi Observer Analytics

SWIFT gpi proporcionará detección de errores en los mensajes de pago y transparencia de los costes por adelantado

SWIFT platform evolution

We’re evolving our capabilities to enable frictionless and instant payments and securities transactions from one account.

Payment Pre-validation

Eliminate frictions in international payments by upfront verification of account details in real time.

Case resolution

Streamline and automate your exception management processes with gpi Case Resolution.

Ordering

The SWIFT gpi for corporates service allows your institution to benefit from the below SWIFT gpi for corporates capabilities:

Place orders

SWIFT gpi for corporates services

The ordering of the SWIFT gpi for corporates service, and the provisioning of your entity/ies under the appropriate gpi for corporates capability/ies, is a procedure which follows the below procedure:

1. Subscribe to the SWIFT gpi for corporates service

You can subscribe to the SWIFT gpi for corporates service as a financial institution or as a corporate. If you subscribe as a financial institution, the latter must first be subscribed to SWIFT gpi.

Once the first eform will be placed, you will be subscribed to the SWIFT gpi for corporates service and will then be entitled to decide which gpi for corporates capability/ies should be ordered. Depending on your needs, you can order the gpi Pay and trace and/or gpi Inbound tracking capability/ies. More precisely:

gpi Pay and trace

2. Order the gpi Pay and trace Closed User Group (Test)

3. Order the gpi Pay and trace Closed User Group (Live)

gpi Inbound tracking

4. Order the gpi Inbound tracking Closed User Group (Test)

5. Order the gpi Inbound tracking Closed User Group (Live)

Please note that the above eforms should be placed at the level of your parent destination. Once subscribed to the SWIFT gpi for corporates service, you should first order the Test Closed User Group before the Live one.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

SWIFT gpi for banks document centre

Download the latest resources.

Corporate challenges with cross-border payments.

Open letter from international corporates

Intesa Sanpaolo takes a ‘business first’ approach to SWIFT gpi adoption

Hear from Nordea about how they took an agile approach to implementing SWIFT gpi using a small team of in-house.

UniCredit quick to seize benefits of SWIFTgpi

The SWIFT gpi initiative

Press release – Russian version

Press release – Italian version

Press release – French version

Press release – Spanish version

SWIFT platform evolution

We’re evolving our capabilities to enable frictionless and instant payments and securities transactions from one account.

Payment Pre-validation

Eliminate frictions in international payments by upfront verification of account details in real time.

Case resolution

Streamline and automate your exception management processes with gpi Case Resolution.

SWIFT gpi for payment application providers

Cross-border payments, transformed

Enable global payments innovation

Payment application providers are crucial to the adoption of gpi by the global financial community. SWIFT is working closely to support providers in integrating the gpi requirements into their application offering.

To bring further transparency to application providers and their customers, SWIFT has launched the approved gpi Label programme. Providers can use the gpi Label to demonstrate that their applications are gpi-ready. The programme builds on the successful implementation of gpi by several large application providers at nearly 20 global banks.

Application providers are essential to the rapid and efficient adoption of gpi. We welcome more providers to join the gpi Label programme so they can promote their gpi capability to the banking community and help their customers go live on gpi.

Wim Raymaekers, Head of Banking Markets and SWIFT gpi at SWIFT

SWIFT global payments innovation (gpi)

Global banks are working together to make a dramatic change in cross-border payments

Today, SWIFT gpi is transforming the cross-border payment experience entirely, by:

SWIFT gpi is set to be the standard for all cross-border payments by the end of 2020.

Value for gpi banks

SWIFT gpi enables banks to:

Value for corporates

SWIFT gpi enables bank’s corporate customers to:

What is a Unique End-to-end Transaction Reference (UETR)?

A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over SWIFT.

What is a UETR?

A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over SWIFT.

How do they work?

Why are UETRs so important?

In today’s digital world, banking services are being driven by developments in the consumer space. People now expect clear, accurate and real-time payment information.

UETRs are fundamental to meeting these demands by delivering genuine transparency and true end-to-end tracking of international payments.

Who should provide a UETR?

All SWIFT users (whether gpi members or non-gpi members) originating payments must provide a UETR as standard for each of the following message types:

What benefits do UETRs bring?

UETRs allow banks to easily trace their payments in real-time, regardless of complexity or the number of counterparties involved.

They also provide a number of other benefits, including:

How do I ensure compliance?

Likewise, beneficiary banks (even if they are not gpi customers), must be able to receive and process UETRs to reconcile payments.

Institutions issuing cover payments must be able to create a copy of the original UETR and pass it over to the cover payment message.

Universal confirmations

The Basic Tracker

Everything you need to know about SWIFT gpi

With SWIFT announcing its new SWIFT gpi network, extensively covered at Sibos 2017, we’ve pulled together an overview and the best SWIFT gpi articles on bobsguide. Firstly, define SWIFT. If you’re a corporate or bank you’ve probably used SWIFT, or to use their far catchier name, the Society for Worldwide Interbank Financial Telecommunications. The SWIFT …

With SWIFT announcing its new SWIFT gpi network, extensively covered at Sibos 2017, we’ve pulled together an overview and the best SWIFT gpi articles on bobsguide.

Firstly, define SWIFT.

If you’re a corporate or bank you’ve probably used SWIFT, or to use their far catchier name, the Society for Worldwide Interbank Financial Telecommunications. The SWIFT network is responsible for processing, transmitting and messaging secure information from one financial institution to another.

In many cases, this means that the coffee retailer in London can send money to the coffee vendor in Colombia by providing the right account number and corresponding bank SWIFT code. SWIFT sends a message code to release the funds from the retailer’s account in London and to be received in the vendor’s account. Simple, the postal service for digital payments.

SWIFT took over the mantle of international correspondent banking from Telex. This was largely due to the free format of messaging, where a central switchboard operator interpreted the request and executed the transaction. This was fraught with latency issues as well as human error. SWIFT’s standardised coding eliminates the middleman.

So what is SWIFT gpi?

Gpi, or Global Payments Innovation, looks to improve upon the SWIFT system. Indeed, SWIFT’s website promises it is “the biggest thing to happen to correspondent banking in 30 years” for the 110+ banks who’ve already signed up since January 2017.

The first phase of gpi (currently live) promises to enable:

In effect, the first phase seeks to provide faster payments by making transferred funds available providing they are transferred before SWIFT’s cut-off point. The cloud correspondent tool also seeks to address the pain point around payment visibility from corporate treasurers. SWIFT gpi uses real-time tracking, end-to-end view of payments thanks to the unique tracking codes which will enable a notification lifecycle of the settlement i.e. you will know when the payment has reached its destination. The ability to settle transactions in the same day optimises liquidity with improved cash forecasts.

The second phase (for 2018-2019) will feature:

The immediate stopping of a payment

The idea is to give banks more control over cases of fraud or duplicate payments by allowing building in the ability of cancelling a payment anywhere in the payment chain. This is made possible by the unique tracking code that also enables the payment tracking provided in the first phase. This greatly aids in fraud prevention, but also in operational cost and wasting time making administrative cancellation requests.

The additional transfer of rich payment data

The complex nature of many transactions requires more information to be sent along with the payments. Previously this was left to email liaising between corporate clients and their banks. Naturally, cutting this out makes the system quicker and more efficient.

The use of an international payment assistant

This essentially acts as an information source to speed up payments by providing the relevant information at the touch of a button, whilst also avoiding incorrect and bounced payments.

Further reading on SWIFT

Editor, Alex Hammond, examines the mood at Sibos 2017 around SWIFT gpi.

Editor, Alex Hammond, looks at the key pain points for banks and corporates.

Alessandra Riccardi, Business Expert at TAS Group, gives a good evolutionary overview of correspondent banking and why the future is a mixture of SWIFT gpi with emerging technologies.

SWIFT gpi

The new norm
in cross-border payments

SWIFT Platform evolution

Our vision is for instant and frictionless payments, from account to account, anywhere in the world.

A SOLUTION FOR EACH STEP OF THE TRANSACTION

Transactional services

Our core gpi services make sending cross-border payments fast, transparent and trackable.

Pre and post-transaction services

Our pre and in-flight payment services reduce friction and make your cross-border transactions even more seamless.

Services for corporates

Our services for corporates will deliver all the benefits of gpi directly to your corporate customers in their back office systems.

SWIFT gpi enables you to

Deliver a transformed customer experience

Cut costs in your back office

How many man hours do you spend checking on the status of payments? With the gpi Tracker at your fingertips, you and your customers can access real-time payments data any time.

Reduce friction with your counterparts

When payment exceptions occur and an investigation is needed, you want to close the case as quickly as possible. Our transaction services enable you to automate many cumbersome manual processes.

Unlocking payment confirmations for all

The vast majority of payments on SWIFT are now confirmed.

What to do if you’re already a SWIFT gpi customer

Universal Confirmations brings the benefits of end-to-end tracking to all cross-border payments sent on SWIFT. For gpi customers, this brings added value as all your payments, regardless of whether they’re sent as gpi or not, will now be fully trackable to the end beneficiary

How will SWIFT gpi customers be impacted by Universal Confirmations?

The requirement to update the SWIFT Tracker will be for all MTs 103 received on FIN that do not immediately result in another MT 103 on FIN. The gpi rules and their related benefits apply in addition for payment messages sent with field 111 Service Type Identifier in the header and for received payments according to your gpi Directory scope for your BICs registered for SWIFT gpi.

Otherwise, for all incoming transactions, across all currencies, corridors, subsidiaries and branches, you’ll need to update the Tracker within two business days as per Universal Confirmations rules, including:

Will gpi customers be forced to register all their BICs for gpi?

No, you can keep the split to register some but not all of your BICs on gpi.

As gpi customers, are we going to receive confirmation from the Tracker automatically on behalf of a non-gpi institution?

When a gpi-enabled MT 103 (field 111) is sent over FIN by a gpi customer, the Tracker will automatically generate confirmations and distribute it to the relevant gpi customers per status update. This will also occur when the Tracker receives the confirmation from a non-gpi bank when there were gpi customers involved in previous legs of the transaction. Those confirmations will have the same format as gpi confirmation (incl STI=001). gpi customers must however be ready to receive confirmations with less data elements when provided by non-gpi banks, for example, providing details on deducts in payment confirmations are not mandatory for non-gpi banks.

Fast customer credit transfers

Customer expectations around cross-border payments are higher than ever.

Your customers demand that payments are fast, that they are trackable from end-to-end with final confirmation of credit, and that the remittance data should be unaltered between parties so they can be easily reconciled.

With SWIFT gpi, you can deliver exactly that.

Status of the service: live

Our solution

Our SWIFT gpi credit transfer service makes international payments brilliantly simple. Using a unique tracking code, payments can be routed from end-to-end with full visibility into where the payment is, and with transparency into payments progress and the fees incurred.

This is coupled with service level agreements between counterparties to process payments quickly, and combined with a simple Tracker GUI to enable your operations teams to answer customer requests such as ‘where is my payment?’ quickly and easily.

SWIFT launches multi-bank gpi payment initiation and tracking service for corporates

Over 50 of the world’s largest banks and corporates already signed up

Built in conjunction with banks and corporates, we’ve introduced a new enhancement to SWIFT gpi enabling multi-banked corporates to initiate and track payments across multiple banks directly from their treasury and payment systems.

More than 50 of the world’s largest companies – including LVMH, Microsoft and Petronas – have already signed up to SWIFT gpi for corporates.

Multi-bank payment initiation & tracking

Addressing the needs of multi-banked corporates

The go-live follows a successful pilot with 22 corporates and banks – including Airbus, Booking.com, General Electric, Bank of America Merrill Lynch, BNP Paribas, Citi, Deutsche Bank, J.P. Morgan, Societe Generale and Standard Chartered Bank (see full list of pilot members at the bottom of the page) – that collaborated to scope the project, define the standard and business practices, and test the functionality within their treasury systems.

Corporates are already able to check the status of gpi payments through each of their individual banking partners’ portals. Now, SWIFT gpi for corporates addresses the needs of multi-banked corporates, affording them a single centralised and standardised view across all their banking partners.

Giving treasurers visibility, transparency and control

The service allows corporates to track all their payments in real-time, facilitating more accurate reconciliation, and preventing costly and time-consuming investigations.

SWIFT gpi for corporates:

In developing the service, SWIFT worked with banks and corporates as well as with leading treasury software providers including, Bellin, FIS, Kyriba and SAP, all of which have integrated SWIFT gpi for corporates into their applications.

«It creates a rule book which standardises and centralises their multi-bank information, providing unrivalled visibility, as well as saving them time and money. Over 50 corporates and banks, including nine of the ten top cash management banks, have already signed up, and we expect this number to grow significantly in the coming months,” said Marc Delbaere, Head of Corporates and Trade at SWIFT.

Hear what banks, corporates and vendors are saying about gpi for corporates

“An increasing number of banks are offering gpi tracking through their individual portals which works well for companies that only work with one bank, but not so much for a multinational business dealing with multiple banks. SWIFT gpi for corporates solves this by creating a centralised view of multi-bank information, enabling us to track our payments all in one place,” Olivier Valanchauskas, Head of Airbus Treasury Platforms.

«It is great to see the recent success and adoption of gpi by financial institutions. However, prior to gpi for corporates, SCORE members were required to implement gpi directly with each bank, which limited the value of having direct SWIFT connectivity. Thanks to the launch of gpi for corporates, we will now be able to directly leverage our SWIFT infrastructure to receive the full benefits of gpi. We look forward to getting started!» Peter Kim, Senior Manager, Treasury Technology at Google.

“Improving our clients’ ability to enable and track cross-border payments continues to be a key focus of FIS’ corporate treasury offering. We’re excited to continue our work with SWIFT to create innovative products that are cost effective and improve efficiency and transparency,” Martin Boyd, head of Capital Markets at FIS.

The digital transformation of cross-border payments

Facilitating a seamless payments experience

SWIFT gpi document centre

On this page you will find all the documents available on this topic

Hear from Jean-François Mazure, Société Générale.

Hear from Raouf Soussi, BBVA.

Hear from Isabel Schmidt, BNY Mellon.

Imagine a world where cross-border payments could be made by consumers and small businesses in an easy, predictable.

Customer testimonial on universal payment confirmations

As a non gpi bank, here is everything to know about Universal Payment Confirmations.

As a gpi bank, here is everything to know about Universal Payment Confirmations.

Customer testimonials on why universal payment confirmations are key for the industry.

Golnaz Amininejad, SWIFT gpi product manager

All resources about gpi

Visit our document centre and download the latest resources about SWIFT gpi.

SWIFT platform evolution

We’re evolving our capabilities to enable frictionless and instant payments and securities transactions from one account.

SWIFT Strategy overview: Payments

Learn more about our new strategic vision to support the payments business of financial institutions through.

Swift gpi code

The global provider
of secure financial messaging services

SWIFT gpi for banks

If you also want to become a SWIFT gpi enabled bank and enhance your customers’ cross-border payments experience, then register today for one of the following (45 min) webinars.

With more and more businesses growing internationally, corporate treasurers are asking their banks to speed up and enhance their cross-border payments service.

Driven by SWIFT and nearly one hundred of your bank peers, SWIFT gpi kicked off a year ago with exactly that in mind: Making cross-border payments fast, transparent and traceable. Today SWIFT gpi is live and gpi messages are flying around the world, speeding up global trade and sparking growth for international companies.

If you also want to become a SWIFT gpi enabled bank and enhance your customers’ cross-border payments experience, then register today for one of the following (45 min) webinars.

Target audience

If you are working for a financial institution and active in one of following areas, feel free to join us:

How to connect?

All you need is a computer with internet access. You can join the session via voice-over IP (with your headset) or via a free call-back number which will be provided on screen.

Скорость и прозрачность: что даёт предпринимателям система SWIFT gpi?

Читать на украинском

Head of Sales SWIFT&Service Bureau Division of ProFIX Company

SWIFT gpi коренным образом меняет ситуацию и позволяет банкам-участникам SWIFT gpi получить информацию обо всей цепочке, обеспечивая отслеживание платежей в режиме реального времени. Это значит, что при отправке банк заранее знает, как его платеж будет отработан банками-партнерами по gpi. SWIFT gpi – это стандартизация процессов обработки банковских платежей на глобальном уровне.

В условиях стремительного развития технологий современного быстро меняющегося мира это особенно важно, так как все ожидают максимальной прозрачности процессов, в том числе при отправке и получении средств через SWIFT. Доступ к открытым данным, прозрачность и возможность быстрого реагирования и управления процессами – бесспорные преимущества SWIFT gpi.

В чем преимущества для банков и клиентов?

Представьте, что вы – компания или индивидуальное лицо, и вы ожидаете международный платеж. Вы только знаете, когда и какая сумма была вам отправлена. Но вы не знаете, когда деньги будут зачислены на ваш счет, был ли правильно сформирован платежный документ, не возникло ли у банка-посредника вопросов к предоставленным документам как основанию для отправки средств, а может быть, этот платеж был приостановлен на выяснение деталей с банком-отправителем. Вы не знаете также, какую комиссию спишут банки-посредники и какую итоговую сумму зачислят на ваш счет после выяснения деталей о платеже и его обработки посредниками. Ни банк-отправитель, ни банк-получатель не могли предоставить эту информацию своим клиентам ранее.

Преимущества SWIFT gpi

(кликните, чтобы увеличить изображение)

Теперь вместе с современной технологией в мире трансграничных платежей SWIFT gpi эта информация стала прозрачной, быстрой и доступной. SWIFT построил единую глобальную платформу, которая позволяет надстраивать новые инновационные сервисы, действующие в интересах конечных потребителей услуг. Благодаря новой логике обмена финансовыми сообщениями и новым правилам игры, банки становятся более эффективными – происходит изменение самого бизнеса. Мы с вами наблюдаем начало глобального процесса диджитализиции финансовых технологий.

SWIFT gpi: зачем банкам глобальная платежная инновация

До появления технологии SWIFT gpi каждый банк, участвующий в трансграничных платежах, мог обладать информацией, которая доступна только ему в момент нахождения платежа на его стороне, не зная общей картины цепочки и деталей обработки.
SWIFT gpi коренным образом меняет ситуацию и позволяет банкам-участникам SWIFT gpi получить информацию обо всей цепочке, обеспечивая отслеживание платежей в режиме реального времени. Это значит, что при отправке банк заранее знает, как его платеж будет отработан банками-партнерами по gpi. SWIFT gpi – это стандартизация процессов обработки банковских платежей на глобальном уровне.

В чем преимущества для банков и клиентов? Представьте, что вы – компания или индивидуальное лицо, и вы ожидаете международный платеж. Вы только знаете, когда и какая сумма была вам отправлена. Но вы не знаете, когда деньги будут зачислены на ваш счет, был ли правильно сформирован платежный документ, не возникло ли у банка-посредника вопросов к предоставленным документам как основанию для отправки средств, а может быть, этот платеж был приостановлен на выяснение деталей с банком-отправителем. Вы не знаете также, какую комиссию спишут банки-посредники и какую итоговую сумму зачислят на ваш счет после выяснения деталей о платеже и его обработки посредниками. Ни банк-отправитель, ни банк-получатель не могли предоставить эту информацию своим клиентам ранее.

Преимущества SWIFT gpi

Вопрос цены SWIFT gpi Себестоимость самого SWIFT-сообщения для банка-пользователя не меняется. SWIFT не регулирует стоимость платежей для конечных пользователей, а банки самостоятельно устанавливают тарифы на предоставляемые услуги.

SWIFT gpi объединяет по всему миру банки, которые хотят предложить своим клиентам инновационный опыт трансграничных платежей и эффективно выстроить свою корпоративную клиентскую базу. Поэтому gpi-пользователи вкладывают средства и усилия во внедрение технологии SWIFT gpi и ее поддержку в банке. Кроме того, gpi-банки должны адаптировать свои внутренние процессы, чтобы соответствовать требованиям SWIFT gpi. В то же время, новая технология позволяет gpi-банкам сократить свои операционные расходы на обработку платежей (затраты на запросы банкам-корреспондентам и расследования снижаются в среднем на 50%), оптимизировать управление ликвидностью собственных средств и своих клиентов, а также понизить операционные риски и риски, связанные с ликвидностью.

Количество банков и транзакций по GPI Количество банков-участников SWIFT gpi неуклонно растет. Сейчас к этой услуге присоединилось более 180 банков, способных использовать 450+ международных платежных коридоров, обмениваясь более 500 тыс gpi-платежей в день, а это сотни миллиардов долларов США ежедневно. SWIFT подходит к рубежу 40 миллионов платежей, отправленных на платформе SWIFT gpi. К ноябрю 2020 года эта цифра вырастет в несколько раз. Экспоненциальный рост gpi-трафика ожидается в связи с выходом около 100 новых банков в живой режим работы в SWIFT gpi, которые в данный момент находятся на стадии тестирования. Каждый день к SWIFT gpi присоединяются новые банки и открываются новые платёжные коридоры. Это невероятно масштабируемая технология.

SWIFT gpi в цифрах

От отправителя к получателю: как работает GPI Отправляя gpi-платеж, банк назначает уникальный код для транзакции. Этот код все банки-участники цепочки платежа передают неизменным. Таким образом, все вовлеченные стороны могут проконтролировать конкретный платеж в любой момент. С ноября этого года необходимость принимать уникальный код транзакции сообщений 1 и 2 категорий становится обязательной для всех пользователей SWIFT. Следовательно, все gpi-сообщения становятся прозрачными и возможными для отслеживания пользователям gpi, вне зависимости от того, проходит ли платеж по gpi-активным банкам или нет.

Мгновенная проверка статуса отправленных, полученных и находящихся в обработке платежей доступна благодаря сервису SWIFT Tracker, разработанному на основе облачных технологий.

Зная где находятся деньги и какая комиссия будет снята на каждом этапе обработки платежа, банки могут контролировать предоставление точной информации о зачислении денег на счета конечных получателей.

Также с помощью настройки фильтров SWIFT Tracker-а gpi-банки могут отслеживать входящие gpi-платежи, которые находятся в процессе поступления в банк.

Чтобы банки-участники SWIFTgpi могли чётко понимать схемы обработки gpi-платежей друг друга и своевременно обрабатывать gpi-платежи, между ними заключается мультиколлатеральное соглашение (SLA). Выполнение таких SLA банки могут отслеживать через аналитический инструмент gpi Observer.

Также банки-участники имеют доступ к справочнику gpi Directory, который помогает gpi-банкам выстроить наиболее эффективную цепочку платежа, исходя из присутствия gpi-банков в стране, валют, в которых они работают по SWIFTgpi, и их cut-off times (закрытие операционного времени).

Прозрачность платежей Сама система увеличивает прозрачность платежей. Видимость всей цепочки осложняет редактирование платёжной инструкции на пути прохождения транзакции. Становится невозможным изменить данные по оригинатору и бенефициару, так как эти данные доступные с самого начала цепочки. Поэтому банки-корреспонденты, особенно в определенных регионах с высокой степенью риска, активно настаивают внедрять SWIFT gpi именно с точки зрения их комплаенс-рисков. Такая прозрачность процессов усложняет существующие практики отмывания денег. Кроме того, SWIFT gpi сделает доступной отправку дополнительных запрашиваемых платёжных документов посредством SWIFT Tracker в режиме реального времени, что также положительно отразится на комплаенс-проверках при обработке платежей.

SWIFT gpi в Украине С Украиной как с регионом SWIFT gpi SWIFT начал работать только в 2020 и наблюдает активный интерес к сервису со стороны банков. Особое внимание связано с зависимостью украинских банков от международных корреспондентов и высокими аппетитами де-рискинга в украинской банковской системе.

Мы прогнозируем, что конкуренция за клиентов, в первую очередь корпоративного сектора, в скором времени изменит эту картину. Кроме того, уже к 2020 году SWIFT планирует сделать gpi новым обязательным стандартом для всех международных платежей.

Вопрос цены SWIFT gpi

Себестоимость самого SWIFT-сообщения для банка-пользователя не меняется. SWIFT не регулирует стоимость платежей для конечных пользователей, а банки самостоятельно устанавливают тарифы на предоставляемые услуги.

Производитель GPI

GPI® — это торговая марка компании Great Plains Industries, которая изготавливает оборудование по передаче топлива, отвечающее и превосходящее потребности как крупномасштабных бизнес-компаний, так и любителей. Ассортимент компании GPI можно разделить на 3 направления:

ООО «Дарконт», как представитель GPI в России и СНГ, радо предоставить вам качественные приборы этой компании и полную информационную и техническую поддержку поставленной продукции.

Количество банков и транзакций по GPI

Количество банков-участников SWIFT gpi неуклонно растет. Сейчас к этой услуге присоединилось более 180 банков, способных использовать 450+ международных платежных коридоров, обмениваясь более 500 тыс gpi-платежей в день, а это сотни миллиардов долларов США ежедневно. SWIFT подходит к рубежу 40 миллионов платежей, отправленных на платформе SWIFT gpi. К ноябрю 2020 года эта цифра вырастет в несколько раз. Экспоненциальный рост gpi-трафика ожидается в связи с выходом около 100 новых банков в живой режим работы в SWIFT gpi, которые в данный момент находятся на стадии тестирования. Каждый день к SWIFT gpi присоединяются новые банки и открываются новые платёжные коридоры. Это невероятно масштабируемая технология.

SWIFT gpi в цифрах

(кликните, чтобы увеличить изображение)

От отправителя к получателю: как работает GPI

Отправляя gpi-платеж, банк назначает уникальный код для транзакции. Этот код все банки-участники цепочки платежа передают неизменным. Таким образом, все вовлеченные стороны могут проконтролировать конкретный платеж в любой момент. С ноября этого года необходимость принимать уникальный код транзакции сообщений 1 и 2 категорий становится обязательной для всех пользователей SWIFT. Следовательно, все gpi-сообщения становятся прозрачными и возможными для отслеживания пользователям gpi, вне зависимости от того, проходит ли платеж по gpi-активным банкам или нет.

Также с помощью настройки фильтров SWIFT Tracker-а gpi-банки могут отслеживать входящие gpi-платежи, которые находятся в процессе поступления в банк. Чтобы банки-участники SWIFTgpi могли чётко понимать схемы обработки gpi-платежей друг друга и своевременно обрабатывать gpi-платежи, между ними заключается мультиколлатеральное соглашение (SLA). Выполнение таких SLA банки могут отслеживать через аналитический инструмент gpi Observer. Также банки-участники имеют доступ к справочнику gpi Directory, который помогает gpi-банкам выстроить наиболее эффективную цепочку платежа, исходя из присутствия gpi-банков в стране, валют, в которых они работают по SWIFTgpi, и их cut-off times (закрытие операционного времени).

SWIFT готово к запуску демо-версии своего блокчейна GPI для банковской системы

Общество всемирных межбанковских финансовых каналов связи SWIFT на этой неделе сообщило о готовности запустить демонстрационную версию «Глобальной платёжной инициативы» (GPI), направленной на поддержание статуса организации в условиях распространения альтернативных блокчейн-решений для организации коммуникации между финансовыми учреждениями, в том числе предлагаемых Ripple и J.P.Morgan. Об этом пишет CCN.

Проект GPI еще находится на ранних стадиях разработки и направлен на:

«Создание основы нового интегрированного и интерактивного сервиса, который существенно снизит проявления неэффективности в процессе платежей и в конечном счёте сделает сеть SWIFT доступной для всех 10 000 банков».

В октябре были осуществлены успешные испытания GPI для совершения мгновенных трансграничных переводов между банками в Китае, Сингапуре, Таиланде и Австралии. Предполагается, что система GPI позволит ускорить идентификацию участников процесса и снизить количество ошибок при передаче платёжной информации, вместе с чем снизятся затраты и время ожидания, связанные с передачей таких транзакций, а также повысится качество клиентского обслуживания.

Разработка нового решения SWIFT ведётся на фоне выхода на рынок альтернативных сервисов на блокчейне, которые предлагают те же услуги при меньших затратах. Например, банк J.P.Morgan в сентябре запустил «Межбанковскую информационную сеть» (IIN), которая на сегодняшний день насчитывает 130 участников, в том числе Satander и Societe Generale.

J.P.Morgan заявляет, что IIN способна оптимизировать передачу международных платежей, благодаря чему они будут доходить до своих получателей быстрее и за меньшее число шагов. Решение существующих проблем банк видит в использовании технологии распределённого реестра.

GPI от SWIFT, с другой стороны, использует программный интерфейс приложений (API), который позволяет банкам получать доступ к данным друг друга и осуществлять валидацию платёжной информации до момента отправки платежа, благодаря чему они могут избежать ошибок и задержек.

«Сервис полностью интегрирован с GPI-платежами и позволяет осуществлять динамическое межбанковское взаимодействие в реальном времени, чтобы повысить прогнозируемость и эффективность международных платежей. В будущем он будет дополнен инструментами постплатёжного анализа и урегулирования споров, благодаря чему удастся учесть прочие факторы, обычно возникающие из-за необходимости соблюдения требований регуляторов или закона, которые также могут замедлять платёжные процессы», — говорится в описании GPI.

Пилотная версия GPI будет запущена в начале 2020 года при участии 14 банков, в том числе J.P. Morgan, Barclays, Bank of China и CitiGroup. Согласно SWIFT, сервис обеспечит полную прозрачность в отношении получателей и отправителей транзакций, из-за чего стоимость, маршруты и доставка средств станут легко прогнозируемыми.

Самые последние новости криптовалютного рынка и майнинга:

Гарри Каспаров отметил преимущества Биткоина над долларом и фиатной системой

В сети Эфириум проводят тестовое объединение блокчейнов ETH и ETH 2.0

Политики Индии видят перспективу в использовании технологии блокчейн

Крупнейшие стейблкоины создали «Всемирную ассоциацию стабильных монет» (WSA)

Обзор закона «О цифровых финансовых активах» регулирующего криптовалюту в РФ

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Материал подготовлен редакцией сайта «Майнинг Криптовалюты», в составе: Главный редактор — Антон Сизов, Журналисты — Игорь Лосев, Виталий Воронов, Дмитрий Марков, Елена Карпина. Мы предоставляем самую актуальную информацию о рынке криптовалют, майнинге и технологии блокчейн.

Новости Mining-Cryptocurrency.ru (перейти к ленте всех новостей)

Прозрачность платежей

Сама система увеличивает прозрачность платежей. Видимость всей цепочки осложняет редактирование платёжной инструкции на пути прохождения транзакции. Становится невозможным изменить данные по оригинатору и бенефициару, так как эти данные доступные с самого начала цепочки. Поэтому банки-корреспонденты, особенно в определенных регионах с высокой степенью риска, активно настаивают внедрять SWIFT gpi именно с точки зрения их комплаенс-рисков. Такая прозрачность процессов усложняет существующие практики отмывания денег. Кроме того, SWIFT gpi сделает доступной отправку дополнительных запрашиваемых платёжных документов посредством SWIFT Tracker в режиме реального времени, что также положительно отразится на комплаенс-проверках при обработке платежей.

SWIFT развивает gpi-платежи

Как отмечается в сообщении компании, появление внутренних платежей в режиме реального времени и расчет в центральных банках в режиме 24/7 ознаменовали собой новые перспективы для трансграничных платежей. В 2020 году SWIFT представил «глобальную платежную инновацию» или gpi — новое соглашение, основанное на новых технологиях.

Всего через два года после запуска gpi широко используется финансовым сообществом и быстро становится катализатором беспрецедентных изменений в трансграничных платежах.

SWIFT и его контрагенты создали gpi, установив три ключевых параметра. Во-первых, введение уникального идентификатора транзакции, который сопровождает каждый платеж на протяжении всего его проведения. Наличие этого 36-символьного маркера (уникальный сквозной идентификатор транзакции, UETR) позволяет отслеживать платежи по мере их поступления от отправителей-отправителей через корреспондентов на счета конечных бенефициаров. Во-вторых, введение трекера, который следит за этими платежами по их траектории и сообщает об их статусе по запросу. В-третьих, создание новой трансграничной конвенции, в соответствии с которой банки обязуются обрабатывать платежи от заказа клиента до конечного бенефициара в сжатые сроки — сроки, которые становятся видимыми их респондентам и корреспондентам благодаря возможности контроля над проведением платежа

Более 55% трансграничных платежей SWIFT уже осуществляются через gpi, благодаря чему платежи на сумму более 40 триллионов долларов США перемещаются через границы быстрее, чем когда-либо прежде. Половина из них достигает конечных бенефициаров в течение нескольких минут, и практически все — в течение 24 часов.

В течение двух лет каждый трансграничный платеж будет gpi-платежом, заявляет SWIFT.

Скорость, с которой могут осуществляться платежные транзакции через gpi, будет увеличиваться по мере того, как все больше и больше банков будут переходить от пакетной обработки данных к их обработке в реальном времени. Поскольку клиенты требуют все более быстрых платежей, и все больше и больше рынков переходят к расчетам в режиме реального времени, у банков не будет иного выбора, кроме как начать обработку своих платежей подобным образом.

Как утверждает SWIFT, поскольку gpi уже преодолел переломный момент, срочность перехода к расчетам в режиме реального времени ускорится даже на тех рынках, где для этого нет внутренней необходимости. Это произойдет потому, что трекер повышает прозрачность, давая банкам понимание того, насколько быстро их корреспонденты обрабатывают транзакции. Банки, движимые потребностями собственных клиентов, будут либо заставлять их ускоряться, либо переводить свой бизнес в корреспонденты с более быстрыми технологиями.

Как говорится в сообщении SWIFT, компания вскоре планирует реализовать gpi-платежи на торговых платформах на основе DLT. Решая проблемы с платежами, с которыми сталкиваются платформы DLT, SWIFT позволит инициировать gpi-платежи в рамках торговых рабочих процессов, автоматически передавая их в банковскую систему.

SWIFT gpi в Украине

С Украиной как с регионом SWIFT gpi SWIFT начал работать только в 2020 и наблюдает активный интерес к сервису со стороны банков. Особое внимание связано с зависимостью украинских банков от международных корреспондентов и высокими аппетитами де-рискинга в украинской банковской системе. Мы прогнозируем, что конкуренция за клиентов, в первую очередь корпоративного сектора, в скором времени изменит эту картину. Кроме того, уже к 2020 году SWIFT планирует сделать gpi новым обязательным стандартом для всех международных платежей.

ВАС ЗАИНТЕРЕСУЕТ — SWIFT против Ripple: какая система лучше

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This page allows you to modify the configuration of your gpi Pay and trace Closed User Group in Test and Live.

In a near future, it is also through this page your will be able to update the configuration of your gpi Inbound Tracking Closed User Group in Test and Live.

Place orders

SWIFT gpi for corporates services

gpi Pay and trace

1. In order to add or remove an institution or a product option for the gpi Pay and trace capability in Test, please submit the “Change the gpi Pay and trace subscription – Test”

2. In order to add or remove an institution or a product option for the gpi Pay and trace capability in Live, please submit the “Change the gpi Pay and trace subscription – Live”

gpi Inbound tracking

3. In order to add or remove an institution or a product option for the gpi Inbound tracking capability in Test, please submit the “Change the gpi Inbound tracking subscription – Test

4. In order to add or remove an institution or a product option for the gpi Inbound tracking capability in Live, please submit the “Change the gpi Inbound tracking subscription – Live

Please note that the above eforms should be placed at the level of your parent destination. In order to submit the above change eforms, your parent destination should first subscribe to the SWIFT gpi for corporates service and have ordered the appropriate gpi for corporates capability/ies.

SWIFT launches enhanced gpi service for corporates

New service enables multi-banked corporates to initiate and track payments across all their banking partners

The go-live follows a successful pilot with 22 corporates and banks – including Airbus, Booking.com, General Electric, Bank of America Merrill Lynch, BNP Paribas, Citi, Deutsche Bank, J.P. Morgan, Societe Generale and Standard Chartered Bank – that collaborated to scope the project, define the standard and business practices, and test the functionality within their treasury systems.

While corporates are already able to check the status of gpi payments through each of their individual banking partners’ portals, SWIFT gpi for corporates addresses the needs of multi-banked corporates, affording them a single centralised and standardised view across all their banking partners. The service allows corporates to track all their payments in real-time, facilitating more accurate reconciliation, and preventing costly and time-consuming investigations.

SWIFT gpi for corporates allows banks to give users visibility, transparency and control of their entire payment flows and provides them with full transparency over fees and FX so that they can identify the most efficient ways to send their payments around the world. Furthermore, it relieves corporates of the need to adapt their systems for each individual bank they work with.

Olivier Valanchauskas, Head of Airbus Treasury Platforms, said: “An increasing number of banks are offering gpi tracking through their individual portals which works well for companies that only work with one bank, but not so much for a multinational business dealing with multiple banks. SWIFT gpi for corporates solves this by creating a centralised view of multi-bank information, enabling us to track our payments all in one place.”

Peter Kim, Senior Manager, Treasury Technology at Google, said: «It is great to see the recent success and adoption of gpi by financial institutions. However, prior to gpi for corporates, SCORE members were required to implement gpi directly with each bank, which limited the value of having direct SWIFT connectivity. Thanks to the launch of gpi for corporates, we will now be able to directly leverage our SWIFT infrastructure to receive the full benefits of gpi. We look forward to getting started!»

“Improving our clients’ ability to enable and track cross-border payments continues to be a key focus of FIS’ corporate treasury offerings,” said Martin Boyd, head of Capital Markets at FIS. “We’re excited to continue our work with SWIFT to create innovative products that are cost effective and improve efficiency and transparency.”

Marc Delbaere, Head of Corporates and Trade at SWIFT, said: “gpi for corporates is the result of ground-breaking collaboration between corporates and banks to revolutionise cross-border payments for corporates. It creates a rule book which standardises and centralises their multi-bank information, providing unrivalled visibility, as well as saving them time and money. Over 50 corporates and banks, including nine of the ten top cash management banks, have already signed up, and we expect this number to grow significantly in the coming months.”

Bank of America Merill Lynch

Darling
Deutsche Bank

National Australia Bank

Sumitomo Mitsui Banking Corporation
Société Générale

Standard Chartered Bank

Press Contacts:
Finsbury
+32 (0)2655 3377
SWIFT@Finsbury.com

Our messaging platform, products and services connect more than 11,000 banking and securities organisations, market infrastructures and corporate customers in more than 200 countries and territories. While SWIFT does not hold funds or manage accounts on behalf of customers, we enable our global community of users to communicate securely, exchanging standardised financial messages in a reliable way, thereby supporting global and local financial flows, as well as trade and commerce all around the world.

As their trusted provider, we relentlessly pursue operational excellence; we support our community in addressing cyber threats; and we continually seek ways to lower costs, reduce risks and eliminate operational inefficiencies. Our products and services support our community’s access and integration, business intelligence, reference data and financial crime compliance needs. SWIFT also brings the financial community together – at global, regional and local levels – to shape market practice, define standards and debate issues of mutual interest or concern. SWIFT’s strategic five year plan, SWIFT2020, challenges SWIFT to continue investing in the security, reliability and growth of its core messaging platform, while making additional investments in existing services and delivering new and innovative solutions.

Headquartered in Belgium, SWIFT’s international governance and oversight reinforces the neutral, global character of its cooperative structure. SWIFT’s global office network ensures an active presence in all the major financial centres.

SWIFT gpi allows corporates to receive an enhanced payments service, with the following key features:

With SWIFT gpi, the correspondent banking community, together with fintechs, corporates, and others, is collectively removing frictions and reducing the costs associated with cross-border payments. Since its launch in January 2017, gpi has dramatically improved the cross-border payments experience for corporates in over 1,100 country corridors. Key features of SWIFT gpi include enhanced business rules and a secure tracking database in the cloud accessible via APIs. New gpi services are routinely developed with the gpi member community and rolled out to the growing network of banks.

Thanks to SWIFT gpi, corporates can grow their international business, improve supplier relationships, and achieve greater treasury efficiencies. On average, 40% of SWIFT gpi payments are credited to end beneficiaries within 5 minutes. 50% are credited within 30 minutes; 75% within 6 hours; and almost 100% within 24 hours.

Already, 3,500 banks accounting for 85% of SWIFT’s total payments traffic have committed to adopting gpi and more than 55 payment market infrastructures are already exchanging gpi payments, enabling domestic exchange and tracking. Payment market infrastructures have a critical role to play in facilitating the end-to-end tracking of cross-border payments because as soon as international payments hit the destination country, they are typically cleared through local payment infrastructures.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

Delivering added-value

With more than 300 billion USD in messages being sent every day, SWIFT gpi is enabling payments to be credited to end beneficiaries within minutes and even seconds.

SWIFT gpi has a range of features that deliver added-value to both your bank and your customers.

The gpi Tracker

End-to-end payments tracking

The Tracker can be updated by FIN message or via API. It can be accessed via a graphic user interface (GUI) and also via API calls to allow the service to be embedded in other back-office systems.

The gpi Observer Insights

A global view of banks’ adherence to the gpi rulebook

SWIFT’s Business Intelligence gpi Observer Insights monitors your adherence to the gpi rulebook – the ‘business rules’.

Gpi banks can quickly pinpoint areas for improvement and work collaboratively towards better implementation of SLAs.

Also, with Observer Insights, all gpi banks have a global view of other gpi banks’ adherence to these SLAs.

The gpi Directory

A complete list of all gpi members

SWIFT-переводы 2022: Как отправлять, чтобы дошли? Как искать, если потерялись?

За последнее время мы все стали вирусологами, военными аналитиками, а теперь ещё и специалистами по валютным переводам. В рамках последней компетенции постарался собрать советы о том, как отправлять SWIFT-переводы, чтобы они доходили и что делать, если они потерялись.

Делюсь своим опытом на примере Черногории, межбанковских переводов в России и наблюдений за чатиком с проблемными платежами.

Чтобы избежать чтения второй части статьи и лишних переживаний за свои деньги, лучше постараться минимизировать ошибки на этапе отправки, хотя в современном мире это вообще не гарантия.

1. Выбор банка-отправителя

Распространена гипотеза, что Газпромбанк никогда не заблокируют, потому что все туда платят за газ. Увы, с платежами у него тоже не очень, лучше избегать.

2. Выбор банка-корреспондента

Пока выглядит как будто платежи в евро ходят лучше, чем в долларах, если речь идёт о банках-получателях в еврозоне. Но чем дальше, тем меньше банков отправляют из России в евро (привет, Росбанк, нам было хорошо с тобой вместе). Короче, если отправляете в еврозону и есть возможность выбора банка-отправителя, выбирайте тот, который отправляет в евро (Райффайзен, Зенит, Кредит Европа и т.д.)

4. Выбор суммы платежа

Можно ли поделить при этом миллион долларов на платежи по 2990? Нет, конечно, сработают AML системы и будет еще хуже. Но если отправляете 15 тыс и у вас есть время, то можно каждую неделю отправлять по 2990.

5. Назначение платежа

Даже при переводах в евро, которые у меня долетают за 3 часа, я на всякий случай стал писать: «OWN FUNDS TRANSFER FOR CURRENT EXPENSES: RENT, FOOD. SOURCE OF FUNDS: SALARY IN RUSSIA. DESTINATION: MONTENEGRO (TEMPORARY RESIDENT)»

6. Перед тем как нажать кнопку «отправить»

7. Может быть всё-таки не отправлять?

Если у вас это последние деньги и назначение платежа «FOOD» было не лукавством, то перепроверьте всё тысячу раз и подумайте над альтернативами. Крипта, p2p переводы, карта мир, переводы в рублях, koronapay и т.д. Мне кажется лучше потерять 10-20%, чем потом голодать 2-3 месяца. За это время ваш банк может попасть в санкционный лист и станет совсем всё плохо.

1. Принять тот факт, что вам никто не поможет кроме банка-отправителя. Стандартные приёмы потребительского терроризма (пожалуюсь в ЦБ, прокуратуру, суд и напишу статью на VC) практически не работают. Методично ищите сотрудника в банке-отправителе, который вам поможет.

Много жалоб на Тинькофф, но вот есть свидетельства, что Альфа-Банк еще хуже себя проявил, пока их окончательно от swift не отключили. Там же детали по получению разрешения OFAC, если платёж заблокирован банком-корреспондентом.

Еще я видел случаи когда банк-получателя совпадает с банком-корреспондентом (в США, например). Тогда можно через их поддержку попросить помочь «протолкнуть» перевод.

4. Пользуясь данными свифтовки пытаемся искать платеж здесь:

Может показаться, что эти банки ни при чём, но вы никогда не знаете как пойдёт платёж, так что лучше потратить 5 минут своего ценного времени.

7. Вступаем в группу по розыску платежей и получаем психологическую поддержку: «я тоже жду свой перевод уже 2 месяца, ты не один».

UPD: Сделал простой бесплатный сервис, где можно рассказать о своём последнем swift-переводе и посмотреть статистику отправлений других пользователей. Найдите плз 2 минуты поделиться информацией, чтобы сотни людей меньше теряли свои деньги.

За щекой судя по всему

Спасибо, отличная статья! Нашел свой перевод по Deutsche Bank

Нашли, а дальше что?

Спасибо за инфу, как раз таки мой платёж завис в банков оф Америка. Написал им письмо)

Мой ТГ по релокации в Армению:

Отправляю все через TON, доходят за 3 секунды. Тонкипер в помощь

Что за зверь этот TON?

Огромное спасибо за ваш труд! Подскажите, можно ли сделать такую же табличку только по переводам в евро (какие банки, комиссии и какие банки лучше с точки зрения надёжности переводов)? И подскажите, в Сербию в какой валюте лучше переводить на ваш взгляд?(не еврозону).

Спасибо за ссылки на ваши чаты )) Не, на самом деле, полезные ) я без подкола. И за общий ликбез.

Глупость на глупости. Про переводы евро могу сказать одно: ЕС запретил любые транзакции российских резидентов, так ято ваши советы совсем непонятны.

Хмм.. Если у тебя счёт в банке ЕС, значит у тебя наверное есть ВНЖ — туристам сейчас не открывают. Если у тебя ВНЖ, ты уже не совсем российский резидент. Я перевожу в Черногорию, которая применила все санкции ЕС, через австрийский банк-корреспондент, который очевидно соблюдает все решения ЕС. Доходят за 3 часа.

В таком случае, наверное, просто отправка платежа в/из РФ была бы невозможна, чего не наблюдается.
Откуда информация про запрет?

Чушь пишите. По вашей же ссылке пройдите, там написано «certain Russian credit institutions» или НЕКОТОРЫЕ российские кредитные организации

Почитал выборочно, спасибо за статью. Буду пробовать покупку видеокарты на alibaba через свифт перевод. Тиньков через фунты на брокерском счете

Напишите потом пожалуйста, получилось ли.

Спасибо за статью! А есть ли подобная таблица по SWIFT, только именно по входящим переводам? Ну или если таблицы нет, в каких банках лучшие условия на получение переводов? Использовал тиньков, но теперь понятно что нужно куда-то переходить, вот думаю куда. Получаю небольшие переводы, так что минимальная комиссия очень сильно бьет по мне

У меня такой таблицы нет, но я бы порекомендовал Вам договориться с кем-нибудь и принимать эти платежи где-нибудь за рубежом, а Вам просто рублями будут сбрасывать на карту. У Вас не только не будет комиссий за входящие платежи, но еще и курс лучше и стабильность выше.

Росбанк предоставляет swift GPI tracking, для юр.лиц по крайней мере

Спасибо за уточнение! Для меня как для физ лица отказался (хотя всё закончилось хорошо).

Может кто проконсультирует. Мне нужно перевести деньги поставщику в Китай, раньше не делал свифт переводов. Мне нужно сделать первый перевод например 2500$, в инвайсе как правильно указать, 1 товар по цене 2500 или разбить на 3 товара стоимостью каждого менее 1000уе? Я думал что общение с нашей таможней начинаются когда товар приезжает. Но вычитал на форуме что даже перевод за товар выше 1000уе уже заинтересует таможню и мне прийдётся платить таможенную пошлину свыше 1000уе даже на основании перевода. Так ли это? Доставка товара происходит по какой то серой схеме поставщика. Поэтому меня волнует только перевод что бы с меня не затребовали таможенную пошлину.

Инвойс оформляет же поставщик. Он должен указать все товары и общую сумму. Деление оплаты/инвойса на несколько частей не освобождает от необходимости уплаты таможенной пошлины. Если только вы не в разобьете на две разные доставки в два разных месяца.

Так же не понял по банкам корреспондентам, он 1 или 2, т.е со стороны банка отправителя и второй со стороны банка получателя? Я сделал пробный 2$ перевод в Китай и он завис с 21 июня. БКС банк мне ответил, что их банк корреспондент перевёл 22 июня и перевод завись во втором в известном уже здесь банке корреспонденте банк оф америка.

Отличная статья. Скажите, доллары из РФ в штаты сейчас лучше всего из какого банка отправлять? Откуда быстрее всего доходят?

Посмотрите тут, выберите в фильтрах страну отправления Россия и получения США. Сами банки не указывайте. https://ohmyswift.ru

Пытался поделится анонимно. Нет в списке банка с нужным Свифт кодом, с вручную введены писал ошибку. так и не поделился

Swift gpi code

The global provider
of secure financial messaging services

We’re making cross-border payments simpler for consumers and small businesses.

FIN messages and performances

ISO 20022 for payments

Get started today

To make sure you’re ready for go-live on ISO 20022 for cross-border payments and reporting (CBPR+) and the start of the coexistence period, from November 2022, it’s important to begin your preparation work now.

Find out what you need to do and where you can find all the information you need to make your readiness journey a success.

Our solutions

Banking

Our messaging, standards and services connect you to your counterparties worldwide, so you can transact securely and reliably.

Capital Markets

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As a multinational, you want industry-standard ways to work with multiple banking partners for cash, trade and corporate treasury.

Market Infrastructures

Resilience, security and responsiveness are your core operational requirements. Our solutions help you deliver for your community.

mySWIFT is your one-stop shop to help you manage your SWIFT products and services, keep track of your orders and invoices, and access online support.

Отследить SWIFT-перевод по номеру UETR

Сервис GPI-трекинга позволяет бесплатно отследить один перевод

Вы использовали уже 1 бесплатный GPI-трекинг этого платежа

1 поиск

Подойдёт для тех, кто на финишной прямой. Одна проверка изменения статуса платежа.

5 поисков

Подойдёт для простых случаев. Оформите розыск платежа в банке-отправителе и следите есть ли прогресс.

10 поисков

Для тех, кто столкнулся с длительными процедурами проверки или возврата в банках-корреспондентах.

Все собранные денежные средства идут на развитие сервиса.

Формат UETR: XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX

Где взять референс платежа? Поле 20 в свифтовке (например, в форме MT103)

OhMySwift: обмен информацией о SWIFT-платежах.

База данных переводов по Китаю и Гонконгу поддерживается совместно с каналом «Китайцы: руководство по применению».

Ordering

This page allows you to modify the configuration of your gpi Pay and trace Closed User Group in Test and Live.

In a near future, it is also through this page your will be able to update the configuration of your gpi Inbound Tracking Closed User Group in Test and Live.

Place orders

SWIFT gpi for corporates services

gpi Pay and trace

1. In order to add or remove an institution or a product option for the gpi Pay and trace capability in Test, please submit the “Change the gpi Pay and trace subscription – Test”

2. In order to add or remove an institution or a product option for the gpi Pay and trace capability in Live, please submit the “Change the gpi Pay and trace subscription – Live”

gpi Inbound tracking

3. In order to add or remove an institution or a product option for the gpi Inbound tracking capability in Test, please submit the “Change the gpi Inbound tracking subscription – Test

4. In order to add or remove an institution or a product option for the gpi Inbound tracking capability in Live, please submit the “Change the gpi Inbound tracking subscription – Live

Swift gpi code

ReglamentBank: информационно-методическая система Подписка тут!

SWIFT GPI: как с ним работать и как с его помощью улучшить банковские продукты

Процесс подключения к сервису GPI[1] требует решения целого комплекса вопросов: технических, организационных, а также связанных с перестройкой бизнес-процессов в расчетных подразделениях. Мы попросили нашего эксперта Дмитрия Сахапова выбрать наиболее важные вопросы, которые возникают у банков в связи с подключением к GPI, и адресовали их специалистам Ассоциации РОССВИФТ. На вопросы ответил исполнительный директор РОССВИФТ Роман Чернов.

— В соответствии с новой версией стандартов SR2018 все банки обязаны присылать сообщения с уникальным полем UETR. На практике же банки получают сообщения не только с одинаковыми UETR, но и с одинаковыми референсами. Планирует ли SWIFT создать правило, проверяющее это требование и не принимающее сообщения с неуникальными UETR? — Отправляя GPI-платеж, банк создает уникальный код транзакции, который должен оставаться неизменным на протяжении всей платежной цепочки, что позволяет.

Bringing the SWIFT gpi experience directly to your customers

Integrating payment tracking information in your customer facing channels will significantly enhance your operational efficiency, while equipping your customers with an instant and any time view on their international payments.

Customer expectations around sending and receiving international payments have dramatically shifted in the past few years.

Businesses in the logistics and ecommerce sector have reconceptualised the way goods and services move around the world, delivering an end-to-end experience for senders and receivers. Greater transparency on where goods are means greater certainty for consumers, and cost savings for businesses who can automate many of the customer service requests that come in (e.g. where is my package?).

Increasingly, the question businesses are asking is: if I can track a ten dollar parcel half way around the world, across timezones and borders, why can’t I track my multi-million dollar payment?

Delivering a better experience today

Well, the answer is you can. Today, thousands of financial institutions are using SWIFT gpi to send hundreds of billions of dollars’ worth of payments every day. And significantly, payments can be tracked by financial institutions from end-to-end, with final confirmation when the funds have been credited to the end beneficiary account.

Operational teams of SWIFT gpi members can use this information to quickly respond to customer requests such as ‘where is my payment?’ by simply logging in to the Tracker and seeing where the funds are in real-time.

What is ebanking portal integration?

Some financial institutions have taken this a step further, and integrated tracking information directly in their customer facing ebanking portals.

That means their corporate customers are able to log in to their regular ebanking portal or mobile application and get a view of their payments. In the same way you can log in to a courier website to view the status of your parcel, including where it has been previously, this enables customers to check the journey of their payment using the unique identifier of the transaction.

We are pleased to offer our clients SWIFT gpi data through the CashPro platform. This functionality, which provides clients with visibility into their cross-border wire payments, will help strengthen their operational efficiency by decreasing the need to manually intervene and investigate inquiries,

Tom Durkin, Head of Global Digital Channels, Bank of America.

Depending on your own business preference, you may also include extra value-added information for your customers, including the time elapsed on the payment, and any fees and costs incurred during the transaction. It’s also possible to enable customers to stop their payment in case of error or fraud.

What are the benefits of providing tracking information directly to my clients?

The benefits of integrating tracking information are twofold. Firstly, it enables you to meet your customers’ expectations around cross-border payments. By providing a seamless user experience and greater transparency, it enables you to foster a greater relationship with your customers.

As the first bank in Australia to give customers full access to payment tracking status information for international payments, NAB is committed to improving transparency to build confidence in cross border payments. We know that greater visibility of international payment status is a game changer and provides customers a much better experience at no extra cost.

Shane Conway, Executive, Transaction Banking and Enterprise Payments.

This could also extend to your customers’ beneficiaries too; some gpi members are now providing end beneficiaries the ability to track inbound payments using UETR tracking information, even if they’re not a customer of the bank (in the same way you can track a parcel from a courier).

Secondly, it enables you to reduce your operational overheads. Financial institutions who’ve integrated tracking information have reported significant drop-offs in inbound support queries (up to a 15% reduction in some cases). This enables your staff to shift their attention from frustrating manual checks on payments to more valuable services.

How do I integrate payments tracking information in my customer facing channels?

To help gpi members get started with their ebanking portal integration project, we’ve created a best practice guide which includes some tips for ways you can run your project. To receive a copy of this document, get in touch with your SWIFT relationship manager.

To make things even easier, we’ve also developed business APIs to facilitate smoother integration between you and your customers.

You can also hear from UralSib bank about their portal integration journey by downloading our case study.

Global corporates urge banks to use SWIFT gpi

Six global Swiss companies say SWIFT gpi addresses their pain points around speed, transparency, and tracking of cross-border payments

These corporates state in their letter that SWIFT gpi addresses the pain points they currently experience when making cross-border payments: corporate treasurers and finance managers have little visibility of what happens to their cross-border payment instructions, not knowing when payments have been credited or what fees have been deducted. Equally, they do not know when or why a payment has been rejected and the investigation can be time-consuming and costly. It is also not always clear which party should initiate an investigation. This can cause problems with suppliers or end-customers as well as increasing financial risks resulting from payment delays or even fraudulent actions.

The group states that it “appreciates SWIFT gpi as it is targeting a long overdue, essential improvement of the customer needs for higher cross-border payment speed, transparency and end-to-end tracking.”

The letter continues: “With considerable industry support across the globe and an increasing number of leading transaction banks committed to the service, we are convinced that SWIFT gpi represents a major improvement in cross-border payments. The increasing number of banks going live on this service addresses the demands of corporate treasurers. Hence, banks cannot afford to not join the initiative and go live as soon as possible. Our expectation is that all of our cross-border payments will be end-to-end SWIFT gpi payments in the future.”

“We hear the same ‘call for action’ from corporates around the world. They want to know as fast as possible when a payment has been delivered to the end beneficiary. If there is an issue along the way, they would like to have more efficient ways of investigating exceptions,” said Marc Delbaere, Head of Corporates and Supply Chain at SWIFT.

In the context of SWIFT connected corporates, Delbaere added: “And of course large multi-banked corporates, used to multi-banking approaches on SWIFT, want a common experience across banks. We are now working very closely with the banks to bring these capabilities to market for the benefit of the corporates community.”

SWIFT gpi is the new standard for cross-border payments, and combines real-time payments tracking with the certainty of same-day settlement. Since it became available in January 2017, 20 global transaction banks have begun actively using or implementing the SWIFT gpi service, with another 50 in the implementation pipeline.

“Already today, with so many banks supporting SWIFT gpi, corporates are getting an enhanced experience directly from their banks, in over 85 country corridors. With its open membership model, we welcome more banks to join SWIFT gpi and respond to the needs of their clients, as expressed by global corporates around the world”, said Wim Raymaekers, Head of Banking Markets and SWIFT gpi at SWIFT.

Already today, with so many banks supporting SWIFT gpi, corporates are getting an enhanced experience directly from their banks, in over 85 country corridors.

Wim Raymaekers, Head of Banking Markets and SWIFT gpi, SWIFT

About SWIFT
SWIFT is a global member owned cooperative and the world’s leading provider of secure financial messaging services. We provide our community with a platform for messaging and standards for communicating, and we offer products and services to facilitate access and integration, identification, analysis and regulatory compliance. Our messaging platform, products and services connect more than 11,000 banking and securities organisations, market infrastructures and corporate customers in more than 200 countries and territories. While SWIFT does not hold funds or manage accounts on behalf of customers, we enable our global community of users to communicate securely, exchanging standardised financial messages in a reliable way, thereby supporting global and local financial flows, as well as trade and commerce all around the world. As their trusted provider, we relentlessly pursue operational excellence; we support our community in addressing cyber threats; and we continually seek ways to lower costs, reduce risks and eliminate operational inefficiencies. Our products and services support our community’s access and integration, business intelligence, reference data and financial crime compliance needs. SWIFT also brings the financial community together – at global, regional and local levels – to shape market practice, define standards and debate issues of mutual interest or concern. Headquartered in Belgium, SWIFT’s international governance and oversight reinforces the neutral, global character of its cooperative structure. SWIFT’s global office network ensures an active presence in all the major financial centres.

SWIFT introduces universal real-time payment tracking

gpi Tracker extended to all payment messages

SWIFT has announced that it is extending its gpi Tracker to cover all payment instructions sent across the network. This will enable gpi banks to track all their SWIFT payment instructions at all times, and give them full visibility over all their payment activity.

The Tracker, available since May 2017, enables banks that have signed up to SWIFT gpi to track their gpi payments in real-time. From 18 November this year, a unique end-to-end transaction reference will be included in all payment instructions carried between all 11,000 customers on SWIFT across more than 200 countries and territories. This will give gpi customers full end-to-end tracking of all their gpi payment messages quickly and efficiently, bringing even greater transparency and cost reduction.

“The extension of the Tracker to non-gpi payments is a major step forward. It will significantly extend transparency and it will drive more banks to join the service, rapidly making gpi the new normal in cross-border payments”, said Navinder Duggal, Group Head of Cash Product Management from DBS, one of the early gpi adopters in Asia.

The Tracker automatically provides status updates to all gpi banks involved in any gpi payment chain and allows them to confirm when a payment has been completed. The Tracker also facilitates more accurate reconciliation of payments and invoices, optimises liquidity with improved cash forecasts and reduces exposure to FX risk, with same-day processing of funds in beneficiaries’ time zones.

“Enabling end-to-end tracking of all payment instructions through to the end destination is a game-changer,” says Lars Sjögren, Global Head of Transaction Banking, Danske Bank. “Until last year, it was impossible for banks to gather this information on behalf of their customers, but the introduction of the gpi Tracker has addressed this challenge head on, transforming cross-border payments and dramatically improving the service that banks can offer to their customers in a very cost efficient way.”

Enabling end-to-end tracking of all payment instructions through to the end destination is a game-changer.

Lars Sjögren, Global Head of Transaction Banking, Danske Bank

The introduction of the unique end-to-end transaction reference (UETR) in payment instructions will be effected through the mandatory annual Standards MT Release in November 2018. After this point, all SWIFT customers will be required to include the UETR in their payment instructions, irrespective of whether they are gpi banks and or whether they are executing gpi payments. All regulated financial institutions on SWIFT are eligible to join the gpi.

“SWIFT gpi has been hugely beneficial for banks and their customers since its launch, but extending this tracking facility across all payments traffic will be truly transformational,” says Harry Newman, Head of Payments at SWIFT. “These expanded tracking capabilities are part of a series of gpi services we will roll out in 2018 to further improve the cross-border payments experience, enable banks to provide a far superior service to their customers and rapidly attract more banks to join.”

SWIFT gpi has been hugely beneficial for banks and their customers since its launch, but extending this tracking facility across all payments traffic will be truly transformational.

Harry Newman, Head of Payments, SWIFT

SWIFT gpi: зачем банкам глобальная платежная инновация

Кто из современных казначеев ни разу не слышал о SWIFT?

Наверно, таких найдется мало. Да и в виду периодически обостряющегося санкционного вопроса о важности SWIFT для финансового мира, в том числе и России, успели узнать уже многие, даже те, кто не так тесно работает с банковскими платежами и финансовыми сделками.

Если о том, что представляет собой SWIFT как самая популярная транспортная система в финансах мы писали в этой статье то в данном материале мы подробнее остановимся на ключевых аспектах использования SWIFT в работе финансистов.

Многим кажется, что SWIFT – это очень сложный инструмент, который используют только банки. Не так много финансистов в действительности знают о том, что SWIFT сегодня уже достаточно эффективно помогает многим корпорациям оптимизировать процесс фиксации условий финансовых сделок, систему платежей и управления банковскими счетами. Изначально SWIFT использовали были только крупнейшие компании, устанавливающие внутренние соединения, но теперь услуги обмена сообщениями SWIFT доступны и средним компаниям.

SWIFT предоставляет своим клиентам систему безопасного обмена финансовыми сообщениями на стандартизированной основе, признаваемой по всему миру. В основе лежит инфраструктура замкнутой IP сети, известная как SWIFTNet.

Это безопасная среда обмена сообщениями, в которой используется сквозное шифрование и система ключей для подтверждения подлинности, целостности, конфиденциальности и отсутствия аннулирования каждого сообщения, которое она обрабатывает.

В чем преимущества для банков и клиентов?

Преимущества SWIFT gpi

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Процесс подключения к SWIFT

Для того, чтобы компания могла начать обмен сообщениями SWIFT с другими участниками финансовой системы, ей предстоит пройти следующие обязательные этапы:

Этап 1. Сбор документов

Компания готовит документы для предоставления на рассмотрение Совета директоров SWIFT в зависимости от своей категории: например, корпорация или провайдер информационных услуг на фондовом рынке.

Этап 2. Выбор способа подключения

Компания должна выбрать один из трех вариантов подключения к SWIFT:

Если компании требуется глубокая интеграция с банковскими приложениями, построение гибкой и сложной системы с хранением базы данных на своей территории без привлечения третьей стороны, то ей больше подходит вариант с собственным подключением.

Этап 3. Заполнение заявления и других форм

Этап 4. Подготовка к подключению и согласование технических настроек

Этап 5. Активация в SWIFT и начало работы

Активация в SWIFT происходит ежемесячно (каждую первую субботу месяца) для всех вариантов подключения, за исключением Alliance Lite2 (каждую субботу месяца).

Вопрос цены SWIFT gpi

Количество банков и транзакций по GPI

SWIFT gpi в цифрах

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Сервисы передачи сообщений

SWIFTNet включает в себя четыре варианта сервисов по передаче финансовых сообщений:

FIN позволяет производить обмен финансовыми сообщениями различных типов, но все они основаны на стандартном для SWIFT формате MT (англ. message type). Данный сервис также поддерживает возможность обмена сообщениями пользовательского формата между клиентами и профессиональными участниками рынка.

InterAct похож на FIN, но в отличие от последнего позволяет также обмениваться сообщениями типа MX, в которых используется более гибкий синтаксис XML на базе ISO 20022.

FileAct необходим для передачи большого объема данных, будь то файлы для проведения массовых платежей или большие отчеты.

WebAccess дает возможность клиентам осуществлять безопасный поиск по финансовым веб-сайтам, доступным на SWIFTNet, используя при этом стандартные технологии протоколы работы в сети Интернет.

От отправителя к получателю: как работает GPI

Варианты подключения к SWIFT

Компании могут подключиться к SWIFT тремя способами:

SCORE

Стандартизированная корпоративная среда (англ. Standardised Corporate Environment – SCORE) являлась ключевой моделью участия корпораций в обмене сообщениями SWIFT начиная с 2007 года. Это замкнутая группа пользователей (англ. Closed User Group – CUG), в которой корпорация может обмениваться сообщениями с любой финансовой организаций-участником группы (но не с другими корпорациями). SWIFT администрирует эту закрытую группу и определяет параметры ее работы (типы сообщений и критерии членства).

Компаниям это удобно, поскольку освобождает от необходимости создавать отдельные группы с каждым банком. Обычно стать членом SCORE могут компании, чьи акции внесены в листинг фондовых бирж, зарегистрированных в странах, входящих в группу FATF, или если у них есть рекомендации от финансовой организации-участника SCORE из страны-члена FATF.

Прозрачность платежей

The SWIFT gpi customer credit transfer

Changing the world to make cross-border payments faster, transparent and traceable

The SWIFT gpi customer credit transfer

Key features

Faster, same-day use of funds *

Same day use of funds is increasingly the norm for domestic payments systems and corporates are naturally demanding similar service levels for their cross-border payments.

Corporates want the ability to pay with precision, according to their trading agreements, without having cash trapped in the payment cycle – and without risk of penalties for late payments.

The gpi customer credit transfer delivers same day use with certainty. The benefits are clear – improved liquidity, reduced cost of working capital and reduced risks.

(*) within the timezone of the receiving gpi member

Traceability

Transparency

Remittance information transferred unaltered

Stop and recall

When there’s a problem with a payment, being able to quickly stop it in its tracks is key to preventing fraudulent activity and the long series of investigations that comes with it.

For payment operations teams and your customers, the number one priority is reversing the damage as quickly as possible and getting the money back to its rightful owner.

Status of the service: live

Our solution

Stop and Recall is part of our Case Management portfolio, focusing on relieving financial institutions of the hassle that exceptions and investigations can bring. This service harnesses the power of the SWIFT gpi Tracker to enable you to rapidly halt payments and recall funds to the sender.

With this solution, you can initiate, deliver and respond to payment stop and recall requests automatically, leveraging the Tracker’s ability to monitor payments in real time. By automating this process, Stop and Recall has the potential to dramatically decrease the time, effort and cost spent on manual searches, as well as the workload associated with stopping a payment.

When you suspect a payment has been made in error or may be fraudulent, you can send a stop and recall request to the Tracker. An in-flight transaction will automatically be stopped via the network, preventing any further processing. The Tracker will also route the stop and recall request to the intermediary financial institution handling the payment at that moment. After stopping the payment, the institution can re-route the funds back to you before it’s too late.

Case Resolution

Streamline and automate your exception management processes

Sending money overseas can be complex. There are country, currency and regulatory-specific payment obligations to meet, particular formatting to take into account and the possible need for human intervention due to omissions or errors. This can result in a payment being held for further investigation before it can be processed, otherwise known as an exception, which can take a considerable amount of time and effort to be resolved.

Using our ‘in-flight’, cloud-based case resolution service, users can easily handle queries between banks on the SWIFT network and resolve instances when payment information is incorrect or missing.

Case resolution is now an integral part of our standard exceptions and investigations procedure… The total timeframe of investigation becomes 3-5 days shorter and the payee gets the money sooner.

Dmitry Karshin, Head of Payment Technology Development, ALFA Bank

SWIFT to bring benefits of gpi to DLT and trade ecosystems

Initial proof of concept to connect gpi with blockchain enterprise software firm R3

To support the growing demand amongst trade ecosystems for secure and reliable settlement, SWIFT has launched a proof of concept (PoC) to trial a new gateway to interlink trade and e-commerce platforms with gpi – the new standard in cross-border payments.

SWIFT to bring benefits of gpi to DLT and trade ecosystems

Introducing gpi Link

gpi Link will seamlessly connect multiple trade platforms to gpi members, enabling gpi payment initiation, end-to-end payment tracking, payer authentication and credit confirmation.

The gateway will also allow the continuous monitoring and control of payment flows and the subsequent movement of goods by those trade platforms.

And to ensure global integration and interoperability, it will support APIs, as well as SWIFT and ISO standards.

Trade transactions powered by gpi

The PoC addresses the need for e-commerce and trade ecosystems to be supported by global, fast, secure and transparent settlement using fiat currencies by enabling ‘off-ledger’ payment settlement based on gpi.

In the PoC, corporates using the R3 platform will be able to:

While the PoC initially addresses R3’s DLT-based trade environment, it will be extended to support other DLT, non-DLT and e-commerce trade platforms.

The results of the PoC will be demonstrated as a prototype at Sibos in London in September 2019.

Extending the benefits of gpi

By enabling trade platform ecosystems to seamlessly integrate gpi Link into their environments, the benefits of gpi are now able to be extended to a wider range of corporates and markets.

All trade platforms require tight linkages with trusted, fast and secure cross-border payments mechanisms such as gpi. While DLT-enabled trade is taking off, there is still little appetite for settlement in crypto-currencies and a pressing need for fast and safe settlement in fiat currencies.

Luc Meurant, SWIFT’s Chief Marketing Officer

“With the gpi Link, banks will be able to provide rapid, transparent settlement services to e-commerce and trading platforms, opening up whole new ecosystems to the speed, security, ubiquity and transparency of gpi and enabling them to grow and prosper in the new digital economy.

“Given the adoption of the Corda platform by trade ecosystems, it was a natural choice to run this proof of concept with R3.”

David E. Rutter, CEO of R3 said: “Following the recent launch of our Corda Settler, allowing for the payment of obligations raised on the Corda platform, it was a logical extension to plug into SWIFT gpi.

“SWIFT gpi has rapidly become the new standard to settle payments right across the world. All the blockchain applications running on Corda will thus benefit from the fast, secure and transparent settlement provided through the SWIFT gpi banks.”

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

Leverage SWIFT expertise for a smooth implementation

SWIFT gpi – the new standard in global payments – substantially increases the speed and ease of execution of cross-border transactions for banks, corporates and market infrastructures. Sending and receiving funds becomes faster and more secure, with full transparency of the payment status across the correspondent network.

Now is the time to join gpi and our SWIFT Professional Services experts will help you through the process.

What can we do for you?

Each new gpi customer benefits from our mandatory onboarding service that builds on our expertise to make the implementation straightforward and clear.

Our SWIFT gpi onboarding specialists will work with you to define the best approach based on your organisation’s individual requirements.

What can you expect?

You will be supported all the way from developing the business case, through to project initiation, implementation, go-to-market and beyond. Our experts will use their extensive knowledge of SWIFT gpi implementation to help you define the most efficient processes for your organisation and shorten time to market.

You will benefit from our experience in assessing and mitigating the risks associated with the transformation to ensure a smooth transition.

Benefits at a glance

You will benefit from:

Start reducing your costs, deliver increased value to your customers, join the gpi journey.

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

Delivering added-value

With more than 300 billion USD in messages being sent every day, SWIFT gpi is enabling payments to be credited to end beneficiaries within minutes and even seconds.

SWIFT gpi has a range of features that deliver added-value to both your bank and your customers.

The gpi Tracker

End-to-end payments tracking

The Tracker can be updated by FIN message or via API. It can be accessed via a graphic user interface (GUI) and also via API calls to allow the service to be embedded in other back-office systems.

The gpi Observer Insights

A global view of banks’ adherence to the gpi rulebook

SWIFT’s Business Intelligence gpi Observer Insights monitors your adherence to the gpi rulebook – the ‘business rules’.

Gpi banks can quickly pinpoint areas for improvement and work collaboratively towards better implementation of SLAs.

Also, with Observer Insights, all gpi banks have a global view of other gpi banks’ adherence to these SLAs.

The gpi Directory

A complete list of all gpi members

SWIFT gpi for banks

Transform your customers’ cross-border payment experience and reduce your costs.

Differentiate your cross-border payments offer

SWIFT gpi has transformed the cross-border payments service you can offer your customers. Now your customers can make high-speed international payments, settled in minutes and seconds, track their payments in real-time, receive a confirmation when the payments are credited and get transparency on the fees involved.

So, by adopting gpi today, you can differentiate your cross-border payments offer and grow your corporate customer base.

Adoption has been extremely rapid since gpi went live in early 2017 – SWIFT gpi has been adopted by 4,030+ financial institutions around the world, including 60 out of the 60 top banking groups on SWIFT. 895+ banks are live today.

Every bank which joins gpi will be able to trace every payment they send using SWIFT gpi across all 11,000 banks on the SWIFT network.

SWIFT gpi will be the standard for all cross-border payments by the end of 2020.

Unlocking payment confirmations for all

The vast majority of payments on SWIFT are now confirmed.

What to do if you’re already a SWIFT gpi customer

How will SWIFT gpi customers be impacted by Universal Confirmations?

Will gpi customers be forced to register all their BICs for gpi?

No, you can keep the split to register some but not all of your BICs on gpi.

As gpi customers, are we going to receive confirmation from the Tracker automatically on behalf of a non-gpi institution?

The digital transformation of cross-border payments

Facilitating a seamless payments experience

SWIFT gpi document centre

On this page you will find all the documents available on this topic

Enhancing customers’ cross-border payments experience

Discover the Payments Tracker service

SWIFT gpi: the road to transparency

The rise of traceable payments ICBC was one of the first Chinese banks to adopt SWIFT gpi – and customers are already.

One of the first banks to adopt SWIFT gpi using APIs, Deutsche Bank is working closely with clients to maximise the.

Read the report from the SWIFT – Eurofinance survey

For BNY Mellon, SWIFT gpi brings a clear opportunity to improve the cross-border payments experience for clients

By Romary Barbey, Stefan Dab, Harry Newman, Wim Raymaekers, and Yann Senant

Standard Chartered Bank – SWIFT gpi: a catalyst for corporate growth in export-led markets

Top Swiss corporates urge banks to use SWIFT gpi

All resources about gpi

Visit our document centre and download the latest resources about SWIFT gpi.

SWIFT platform evolution

We’re evolving our capabilities to enable frictionless and instant payments and securities transactions from one account.

SWIFT Strategy overview: Payments

Learn more about our new strategic vision to support the payments business of financial institutions through.

SWIFT to bring benefits of gpi to DLT and trade ecosystems

Initial proof of concept to connect gpi with blockchain enterprise software firm R3

Introducing gpi Link

gpi Link will seamlessly connect multiple trade platforms to gpi members, enabling gpi payment initiation, end-to-end payment tracking, payer authentication and credit confirmation.

The gateway will also allow the continuous monitoring and control of payment flows and the subsequent movement of goods by those trade platforms.

And to ensure global integration and interoperability, it will support APIs, as well as SWIFT and ISO standards.

Trade transactions powered by gpi

In the PoC, corporates using the R3 platform will be able to:

While the PoC initially addresses R3’s DLT-based trade environment, it will be extended to support other DLT, non-DLT and e-commerce trade platforms.

The results of the PoC will be demonstrated as a prototype at Sibos in London in September 2019.

Extending the benefits of gpi

By enabling trade platform ecosystems to seamlessly integrate gpi Link into their environments, the benefits of gpi are now able to be extended to a wider range of corporates and markets.

All trade platforms require tight linkages with trusted, fast and secure cross-border payments mechanisms such as gpi. While DLT-enabled trade is taking off, there is still little appetite for settlement in crypto-currencies and a pressing need for fast and safe settlement in fiat currencies.

Luc Meurant, SWIFT’s Chief Marketing Officer

“Given the adoption of the Corda platform by trade ecosystems, it was a natural choice to run this proof of concept with R3.”

Ordering

The SWIFT gpi for corporates service allows your institution to benefit from the below SWIFT gpi for corporates capabilities:

Place orders

SWIFT gpi for corporates services

1. Subscribe to the SWIFT gpi for corporates service

You can subscribe to the SWIFT gpi for corporates service as a financial institution or as a corporate. If you subscribe as a financial institution, the latter must first be subscribed to SWIFT gpi.

gpi Pay and trace

2. Order the gpi Pay and trace Closed User Group (Test)

3. Order the gpi Pay and trace Closed User Group (Live)

gpi Inbound tracking

4. Order the gpi Inbound tracking Closed User Group (Test)

5. Order the gpi Inbound tracking Closed User Group (Live)

НОВОСТИ

SWIFT gpi – Universal Confirmations (Basic Tracker)

Новые требования для всех пользователей SWIFT

Уважаемые пользователи SWIFT!

Обращаем ваше внимание, что c 2020 года вводятся новые требования ко всем пользователям SWIFT (FIN), получающим сообщения MT 103, прописанные в документе «Universal Confirmations for MT 103 Rulebook», необходимые для развития и правильного функционирования сервиса SWIFT gpi (global payment innovation).

Основные моменты:

Начиная с ноября 2020 года (с выпуском Standard Release 2020), все пользователи SWIFT (FIN) будут обязаны вносить информацию о статусе входящих сообщений MT 103 в упрощенную версию gpi Tracker – «Basic Tracker», которая будет доступна всем пользователям SWIFT, не являющимся подписчиками SWIFTgpi.

В обязательной информации о статусе сообщений MT 103 должны быть указаны:

Все пользователи будут обязаны предоставлять информацию о статусе платежа в течение двух рабочих дней с момента его получения. Несмотря на это, SWIFT рекомендует предоставлять информацию в Tracker в день получения платежа.

Что важно знать?

Более подробную информацию о «Universal Confirmations» вы можете найти на сайте swift.com.

В случае возникновения вопросов, пожалуйста, обращайтесь в РОССВИФТ к Ольге Свириной или Алсу Миннибаевой по e-mail или по телефону: 8(499)272-02-32.

SWIFT Standards

SWIFT develops message standards to support business transactions in the financial market.

SWIFT Standards

SWIFT develops message standards to support business transactions in the financial market.

MT messages	Support all business segments and are used by SWIFT proprietary FIN messaging service for over 30 years.
MX messages	Based on the ISO 20022 methodology and XML standards. MXs are progressively being introduced for new and existing market segments and are subject to supersede the MT messages after some co-existence period. Standard XML tools can be used to ease the parsing, validation and transformation of MX messages, which are conveyed through SWIFT InterAct and FileAct messaging services.

SWIFT Standards Developer Kit

The Standards Developer kit (SDK) provides a coherent set of electronic Standards resources designed to ease the implementation of ISO standards using up-to-date technology.

SWIFT User Handbook

SWIFT User Handbook describes in details the format and validation rules applying to all MT and MX messages.

The access to the User Handbook is free of charge for registered vendors and SWIFT users.

Business transactions

Most SWIFT solutions and industry initiatives use a combination of MT and MX messages to define business transactions. Your application will typically support one or several of these business transactions for one or several actors.

Alternate market standards, including FIX and FpML are also supported over SWIFT network. XBRL is in the pipe-line as well.

SWIFT launches enhanced gpi service for corporates

New service enables multi-banked corporates to initiate and track payments across all their banking partners

The go-live follows a successful pilot with 22 corporates and banks – including Airbus, Booking.com, General Electric, Bank of America Merrill Lynch, BNP Paribas, Citi, Deutsche Bank, J.P. Morgan, Societe Generale and Standard Chartered Bank – that collaborated to scope the project, define the standard and business practices, and test the functionality within their treasury systems.

Bank of America Merill Lynch

Darling
Deutsche Bank

National Australia Bank

Sumitomo Mitsui Banking Corporation
Société Générale

Standard Chartered Bank

Press Contacts:
Finsbury
+32 (0)2655 3377
SWIFT@Finsbury.com

SWIFT gpi allows corporates to receive an enhanced payments service, with the following key features:

Benefits of gpi now extended to financial institution transfers

New service brings full end-to-end transparency and tracking to high value MT 202 and MT 205 payments. With this, the full spectrum of payment types used by financial institutions on SWIFT now benefit from the transformed customer experience enabled by gpi.

Financial institutions use an institutional payment to settle their obligations towards each other as well as for their own treasury operations purposes.

A lack of real-time visibility and credit confirmation for these critical high-value payments can lead to a number of issues. These include counterparty exposure and incorrect assessment of intra-day liquidity positions, which result in costly missed deadlines, missed opportunities, misplaced liquidity and operating risk.

Being able to track all wire payments, MT 103 and MT 202s, and have them confirmed in real time is a crucial element in continuing to meet the expectations of our clients and internal service users.

Sarah Dunning, Commercialisation and Communications Lead for Clearing Transformation, Treasury Services, Wholesale Payments, J.P. Morgan

Following on from the success of SWIFT gpi in transforming the payment experience for customers using MT 103 customer credit transfers and cover payments, we have now extended the benefits of gpi to MT 202 and 205 financial institution transfers as well.

Financial institutions typically use an MT 202 or 205 to perform treasury operations, settle securities or foreign exchange (FX) transactions, or for a number of other use cases. Now, thanks to our new service, financial institutions can benefit from full end-to-end transparency on the status of these payments, including confirmation when a payment reaches the beneficiary’s account and visibility on incoming payments.

What is the gpi financial institution transfer service?

With the gpi financial institution transfer service, financial institutions are now able to track and trace both incoming and outgoing financial institution transfers sent over SWIFT and key non-SWIFT clearing and settlement channels. Firms also receive confirmation when the payment reaches the beneficiary’s account servicing institution and when it is credited on the beneficiary’s account.

This enables participants to identify potential exceptions, monitor their settlement and counterparty exposure in real time, and get more accurate and timely information to support their institutional intra-day liquidity forecasting and cash management.

The transparency provided by gpi is fundamental to us. With end-to-end visibility on the status of our payments, we’re able to ascertain exposures quickly and more proactively manage our risk and funding requirements.

Nicolas McMillan, UK Head of Collateral Operations and Client Services, LCH Ltd

What are the benefits of the gpi financial institution transfer service?

Real-time visibility on the status of financial institution transfers across the payment lifecycle results in substantial benefits, allowing financial institutions to:

Key features

The gpi financial institution transfer service brings the same level of service to MT 202s and 205s as currently exists for MT 103 customer credit transfers and cover payments. This includes:

How to get started with gpi financial institution transfers?

This service is optional and open to all SWIFT-connected financial institutions, whether you are already a gpi member or not.

Early adopters

A dedicated group of early adopters has co-created the solution with us, representing a range of financial institution types.

SWIFT GPI And You

Keeping payments moving quickly and internationally is the lifeblood of any company, without question. The faster they function, the more business you and your customers can do. It’s when they’re otherwise inaccessible or out of pace with your whole business model that things get frustrating.

For context, SWIFT is one of more popularly used international payment methods for businesses that go global. While it proves effective, having been in use for some time now, it’s had to deal with some considerable bottlenecks over the last few years.

Scale & Transaction Times

As a digital money wiring/messaging solution, SWIFT is used by businesses all over the world and remains one of the largest money transfer solutions.

This scale, in addition to the new, growing and pressing demand for international payments as a standard, is forcing SWIFT to pick up the pace.

On average, an international money transfer from company A to B takes anywhere from 24 hours to 3 days. Even this depends on time differences between countries where companies are situated and how busy the system is at those given times.

With the growing use of digital payments worldwide, now more than ever, payments supply has to be able to keep up with the rapidly growing demand. That’s why SWIFT has introduced its new GPI set.

What SWIFT GPI Is

To summarize, SWIFT GPI is the means with which to provide users with a traceable, scalable and fast international payments solution, worldwide.

Overall, the implementation of GPI aims to cut transaction times down from days to minutes or hours, while allowing it to support the previously closed economies of cross-border payments.

What SWIFT GPI Does

In a statement provided by SWIFT on its website back in July 2019, the company pressed forward with its plan to create a ubiquitous, completely currency agnostic means for companies to make and take payments from all over the world.

What it means for eCommerce Payments

One of the biggest areas for eCommerce businesses and how they take payments is in the world of cross-border commerce. It’s one of, if not the most significant revenue producers for companies in the United States, Latin America, Europe and Asia.

But much of this comes down to having existing partnerships or securing them with payment providers in the region. In many instances, this can result in companies wanting to expand into different regions but lacking the ability to do so effectively.

SWIFT GPI aims to open up cross-border and add it into the broader sphere of international payments, which means that companies could use a single APM provider, like us, to do business anywhere at any time.

As a system, it’s divided up into three components:

Tracker

Each of these components remains rather self-explanatory, but the tracker serves as a means of tracing payments between users. This tracking includes a fast-acting payment validation system which should cut waiting times down significantly.

According to SWIFT, Tracker, as part of GPI will allow for payment validations to be settled in anywhere from 30 minutes to 24 hours.

Observer

GPI Observer serves as a quite literal observer for any an all transactions conducted through SWIFT’s tracker system.

Having a solution like this also enables the quick on-boarding of companies into this solution, with the Observer retaining a ledger of companies that are in regulatory compliance with it.

SWIFT GPI and its Observer aim to bridge the gap between developed and emerging markets as well.

The Future of International Payments

While SWIFT is attempting something rather exciting with its new GPI’s, it’s certainly not the only company seeking to solve this issue.

Competitors in this space include the likes of Visa Direct and MasterCard Send. Each aims to simplify payments across the broad expanse of kinds such as cross-border, business-to-consumer and even government to citizen.

SWIFT gpi for Market Infrastructures

Enable your community to take full advantage of SWIFT gpi.

Document centre

Download our resources.

Hear from Raouf Soussi, BBVA.

Hear from Jean-François Mazure, Société Générale.

Hear from Isabel Schmidt, BNY Mellon.

Find out how J.P. Morgan is leveraging SWIFT’s stop and recall service to streamline and automate the halting of.

Download this ebook to learn how financial institutions can deliver a better payments experience.

First National Bank of Omaha leverages SWIFT gpi payments data to support international business growth across the.

Find out how China Minsheng Bank is delivering value-added services for its corporate customers using the gpi Stop and.

Imagine a world where cross-border payments could be made by consumers and small businesses in an easy, predictable.

Cross-border payments are fast, transparent and fully traceable thanks to SWIFT gpi. Now a new phase of innovation is.

Find out how one of Russia’s leading banks is delivering a transformed payments experience for its corporate customers.

Ordering

Navigate the tabs on this page to place a new order for new products and services, change your existing configuration or terminate a product.

You can also find out about the different steps involved in the ordering process, from placing an order to requesting high priority or emergency handling.

Quick access

Understanding the ordering process

Update your swift.com personal profile

Go to the ‘Request Accesses’ tab of your profile. Click on Edit, go to the ‘Ordering and Billing Applications’ section, tick the checkbox by ‘Ordering’, ‘Order Status’ and ‘Configuration Changes’ and save. Approval is needed from your SWIFT administrator.

Place your order

Order confirmation

We will confirm receipt of the order. The person who placed the order will receive automated providing status updates. No order is binding until SWIFT has notified the customer that SWIFT has accepted the order.

Track your order

Check the status and details of your orders. Delete, cancel or clone existing orders using our online tracking tool.

Billing and invoicing information

For information about billing and invoicing, see the billing and invoicing section of the website.

Emergency treatment

Standard orders will be processed within ten business days following the submission of a valid form and the completion of any necessary approvals. For high priority and emergency orders, please contact your local sales manager or regional support centre asap. SWIFT will try to expedite the order processing and provisioning process. If this is not or no longer possible within the usual process flow, a manual emergency treatment of the order can be requested at the cost of 2000 EUR, subject to a feasibility evaluation by SWIFT.

Order cancellation and modification

Please check your orders carefully before submitting. If you need to modify or cancel your order, please contact your local sales manager or regional support centre asap. SWIFT will try to accommodate in the normal order processing and provisioning process. If this is not or no longer possible within the usual process flow, a manual emergency treatment of the order cancellation or modification can be requested at the cost of 2000 EUR, subject to a feasibility evaluation by SWIFT.

Ordering tool Terms and Conditions

Request to pay

Streamlining cross-border payment collections

Cross-border request to pay

SWIFT gpi enables financial institutions to provide transparency on the full flow of their payments, handing their customers more flexibility around both initiating and receiving payments.

Together with seven gpi member banks, three corporates and FinTech Assembly Payments, we undertook a Proof of Value exercise to see if we could take this further.

The project investigated whether an international request to pay capability implemented under a SWIFT gpi SLA, could offer a more secure, flexible and cost effective solution for corporates to collect cross-border payments.

The exercise demonstrated that such a solution would open new opportunities to integrate and automation collection and reconciliation of international payments, as well as unlocking benefits in terms of liquidity forecasting.

Read more about the service in our proof of value report.

This PoV exercise has now evolved into a proof-of-concept phase, the results of which and further recommendations will be shared by the end of 2019.

Can a cross-border procure to-pay service performed under a SWIFT gpi Service Level Agreement enable banks to simplify the cross-border payment process of their corporate clients?

Standard Chartered introduces public portal for real-time tracking of cross-border payments

Standard Chartered announced the launch of SC GPI Track, a publicly accessible portal that offers the ability to trace all cross-border payments.

Standard Chartered announced the launch of SC GPI Track, a publicly accessible portal that offers the ability to trace all cross-border payments cleared through the Bank’s major clearing centres to its clients, as well as to their corporate and retail clients. As one of the first banks to introduce a public platform to track payment status well ahead of the SWIFT November 2020 payments confirmation mandate, Standard Chartered has paved the way in providing an enhanced cross-border payment experience for its clients.

Similar to tracking the delivery of parcels, Standard Chartered’s clients and their counterparties can now obtain the status of any payments the Bank has processed in real-time, by simply entering SWIFT’s unique end-to-end transaction reference (UETR) associated with the cross-border payment on the public portal.

Commenting on this launch, Lisa Robins, Global Head of Transaction Banking at Standard Chartered, said: “Corporations and financial institutions around the world rely on the confirmation of payments to facilitate the movement of goods and services in order to support the healthy growth of supply chains. Given our longstanding history of supporting trade flows across Asia, Africa and the Middle East, we are continuously looking at ways to enhance the trust and dependability of cross-border payments.»

The SC GPI Track further demonstrates our commitment to deliver innovative solutions, and provide a better and more efficient banking experience for our clients.

Lisa Robins, Global Head of Transaction Banking at Standard Chartered

Alain Raes, Chief Business Development Officer at SWIFT said, “For far too long, the industry wanted to believe that a slow, opaque and costly cross-border payment was a technology problem. With SWIFT gpi, the global financial system has demonstrated that transparent and traceable cross-border payments are a reality today. On average, 40% of gpi payments are credited to end beneficiaries within 5 minutes and 50% are credited within 30 minutes. Standard Chartered, as an innovative and forward-thinking institution, understands the apt reuse of their SWIFT infrastructure in a practical way.

With the launch of SC GPI Track, corporations and financial institutions will be able to further facilitate e-commerce by moving money faster. We view that as a sign of leadership, foresight, and innovation.”

SWIFT to bring benefits of gpi to DLT and trade ecosystems

Initial proof of concept to connect gpi with blockchain enterprise software firm R3

SWIFT to bring benefits of gpi to DLT and trade ecosystems

Introducing gpi Link

gpi Link will seamlessly connect multiple trade platforms to gpi members, enabling gpi payment initiation, end-to-end payment tracking, payer authentication and credit confirmation.

The gateway will also allow the continuous monitoring and control of payment flows and the subsequent movement of goods by those trade platforms.

And to ensure global integration and interoperability, it will support APIs, as well as SWIFT and ISO standards.

Trade transactions powered by gpi

In the PoC, corporates using the R3 platform will be able to:

While the PoC initially addresses R3’s DLT-based trade environment, it will be extended to support other DLT, non-DLT and e-commerce trade platforms.

The results of the PoC will be demonstrated as a prototype at Sibos in London in September 2019.

Extending the benefits of gpi

By enabling trade platform ecosystems to seamlessly integrate gpi Link into their environments, the benefits of gpi are now able to be extended to a wider range of corporates and markets.

All trade platforms require tight linkages with trusted, fast and secure cross-border payments mechanisms such as gpi. While DLT-enabled trade is taking off, there is still little appetite for settlement in crypto-currencies and a pressing need for fast and safe settlement in fiat currencies.

Luc Meurant, SWIFT’s Chief Marketing Officer

“Given the adoption of the Corda platform by trade ecosystems, it was a natural choice to run this proof of concept with R3.”

The payments process explained

How does the payments process work? And how can common sources of friction be addressed to support straight-through processing?

While instant payments are fast becoming the norm, processing payments can sometimes take longer than expected. So how does the payments process work? Where can friction arise? And where do opportunities for improvement lie?

Table of contents

How does the payments process work?

When a domestic payment is made, the initiating institution sends a message to the receiving institution, after which the transfer is settled electronically. As such, domestic payments can often be settled instantly or within 24 hours.

Cross-border payments are typically made using the correspondent banking model, in which payments pass along a payment chain that often spans three to four banks. After being initiated by the customer, a payment is sent by the debtor agent to one or more intermediary banks. It is then sent to the creditor agent.

Download this ebook to learn how financial institutions can deliver a better payments experience.

Why can payments sometimes take longer to process?

Delays can arise at a number of different points in the cross-border payments process, with common causes of friction including:

Straight-through processing

Straight-through processing (STP) is the term used to describe an automated payments process that can take place without the need for manual intervention. This eliminates the operational burden that can arise when banks need to repair payments, manually add data or adopt workarounds.

STP is supported by greater automation, as well as the use of cleaner, richer data. As the industry transitions to ISO 20022, it’s likely that STP rates will continue to increase and that payments will become even more efficient.

Remittance information

Another component of the payments process is the remittance information that accompanies a payment. Accurate remittance data is important because it enables the payment beneficiary to reconcile the payment with outstanding invoices, resulting in a more efficient reconciliation process.

In practice, reconciliation information may be truncated during the payment process due to inconsistencies between different systems. This can mean that key information is lost along the way and manual interventions are needed. By supporting rich, structured remittance information, ISO 20022 enables that information to be transmitted without truncation, thereby supporting straight-through reconciliation.

Visibility over fees

Payments may also be subject to various types of transaction fees, including FX conversion costs and payment processing fees. However, where cross-border payments are concerned there is often a lack of transparency over the fees and deductions charged for different payments. This can make it difficult for users to make informed decisions about their payments, as well as presenting further reconciliation challenges.

Faster, Smarter, Better

How is SWIFT helping?

Alongside our instant and frictionless payments strategy, a number of SWIFT initiatives are helping to streamline the payments process. SWIFT gpi enables banks to pass on remittance information with no loss of data, making it easy for end users to reconcile incoming payments with outstanding invoices. It also provides full end-to-end visibility over processing fees and FX rates, meaning that customers can make informed decisions.

Also notable is SWIFT gpi Instant, which connects SWIFT gpi with real-time domestic infrastructure, meaning that payments can arrive in seconds with full transparency over fees. And SWIFT Go enables small businesses and retail customers to send low-value cross-border payments quickly and easily, with full visibility over fees and FX rates.

Stop and recall

When there’s a problem with a payment, being able to quickly stop it in its tracks is key to preventing fraudulent activity and the long series of investigations that comes with it.

For payment operations teams and your customers, the number one priority is reversing the damage as quickly as possible and getting the money back to its rightful owner.

Status of the service: live

Our solution

Unlocking payment confirmations for all

The vast majority of payments on SWIFT are now confirmed.

Frequently asked questions about Universal Confirmations

Find out the answer to some of the key questions about Universal Confirmations, download the rulebook, and find out how you can get further help.

Table of contents

What is Universal Confirmations and why is it necessary?

Being able to track and confirm payments in real-time is fundamental in the world of modern commerce. All banks in a payments chain need to work together to bring this to reality.

We took the first step towards achieving this in 2018, with the introduction of the Unique End-to-End Transaction Reference (UETR) for all payments.

End-to-end tracking and confirmation of credit are essential for two reasons:

What’s more, business processes and supply chains increasingly rely on payment confirmations: without it, sellers may not release the goods.

By which date do I need to confirm payments?

Universal Confirmations on your incoming MT 103 payments is mandatory since 22 November 2020. This is part of the annual SWIFT Standards Release process and is a mandatory change all FIN users in the user categories Supervised Financial Institutions (SUPE) and Payment System Participants (PSPA).

I’m already a gpi member, do I need to do anything?

Universal Confirmations is mandatory for all 8-character BICs receiving MT 103 instructions. That means that even if you have one of your branches registered for a SWIFT gpi service, you’ll need to provide confirmations from your other branches which aren’t signed up to SWIFT gpi. This also includes all country corridors, so if you have certain corridors not on gpi yet, you will need to be able to provide confirmation updates for these messages too.

How long do I have to provide a confirmation update?

You’re required to provide confirmation to the Tracker within a maximum of two business days following the value date in the MT 103.

How can I confirm payments?

There are a number of ways you can confirm your payments, both automated and manual.

For institutions who handle low volumes of customer payments, you can access our free Basic Tracker tool. The Basic Tracker allows you to manually confirm payments, whilst also accessing some basic search and tracking features.

For institutions that handle higher volumes of payments, there are four other options:

Online services : Terms and Conditions

This section contains the terms and conditions that apply to the online services available on www.swift.com

Free BIC search on swift.com

The BIC Search service is proposed by SWIFT SC (“SWIFT”), with registered address at 1, Avenue Adèle, B-1310 La Hulpe, Belgium, with company registration no. 0413.330.856 (hereafter “SWIFT”).

BIC Search is available to any person accessing the service on the website www.swift.com (hereafter “You”).

You will find hereafter the terms and conditions to access and use the information on
BIC Search (hereafter “the Terms of Use”). Please carefully read these terms and conditions before using BIC Search. The Terms of Use will always be accessible by clicking on the «Terms of Use» icon on the BIC Search homepage.

1. DESCRIPTION: BIC Search offers access to data published in the BIC Directory. It targets occasional users of BIC data. The BIC Directory is a directory published by SWIFT, containing the list of bank identifier codes registered under the ISO 9362 standard.

The BIC Directory includes the registered BICs, the name and address of the corresponding entities, and may, at SWIFT’s discretion, include additional information.

2. GRANT OF LICENSE: SWIFT grants to You a non-exclusive right to:
a. access and use non substantial parts of the information on BIC Search for private or internal purposes;
b. insert a direct hyperlink from Your website to the BIC Search homepage, under the conditions specified in the terms of use of the website www.swift.com (accessible at the bottom of any page of www.swift.com).

SWIFT does not grant You the right to:
a. use the information otherwise than as permitted by these Terms of Use;
b. download the information from BIC Search;

c. modify the information from BIC Search;
d. use the entire or any substantial part of the information from BIC Search with or into another product;
e. copy or use substantial parts of the information on BIC Search, such as, but not limited to, performing systematic queries with the aim to reproduce the entire or substantial parts of the BIC Directory;
f. distribute, transmit, commercialize publish or otherwise provide copies to third parties of the information, with or without compensation, except as permitted under b) in the above paragraph;

3. INTELLECTUAL PROPERTY : Any and all rights in the BIC Directory and BIC Search and its content, including intellectual property rights and database producer’s rights, shall remain with SWIFT and/or its third party licensors.

BIC Search may include information or codes whose proprietary rights belong to a third party and these Terms of Use equally apply to such information and codes.

4. LIMITED WARRANTY: Although SWIFT has used all reasonable efforts to ensure accuracy of the contents, SWIFT assumes no liability whatsoever for any inadvertent errors or omissions that may appear on BIC Search.

The information displayed on BIC Search is the one as available in the last off-line publication of the BIC Directory and is updated every quarter with the data contained in such off-line publication. For SWIFT users, it should be combined with updates received through broadcast messages to obtain the last up-to-date version of the BIC Directory.

To the extent permitted by law, the product is provided on an “as is” basis. SWIFT disclaims all other warranties and conditions, either express or implied. including but not limited to implied warranties of merchantability, title, non-infrigement and fitness for a particular purpose.

5. COMPENSATION: The BIC Search service is currently granted to You free of charges.

6. LIABILITY: The provisions of this section 7 materially limit the potential liability of SWIFT and you acknowledge that the inclusion of such provisions in in this Terms of Use constitutes a material portion of the consideration received by You.

SWIFT shall not be liable for any indirect, special or consequential damages whatsoever, even if SWIFT has been advised of the possibility of such damages. SWIFT’s maximum aggregate liability to You for direct damages shall not exceed 1000 EURO.

7. TERM: The term during which the BIC Search service is made available is subject to SWIFT’s sole discretion. You agree that nothing in these Terms of Use may be construed as limiting SWIFT’s right to suppress the BIC Search service, to change any of the provisions of the Terms of Use, or to submit the access and use of the BIC Search service to new conditions, such as registration and/or payment.

8. TERMINATION FOR DEFAULT: Your access to BIC Search will be terminated by SWIFT if you fail to comply with any of the Terms of Use.

9. APPLICABLE LAW AND JURISDICTION: the Terms of Use shall be governed by and construed in accordance with the laws of Belgium and subject to the exclusive jurisdiction of the courts of Brussels, Belgium.

10. GENERAL: The Terms of Use, as completed with the terms of use of the website www.swift.com, constitute the entire agreement between You and SWIFT as regards BIC Search, superseding any other agreement or discussions, oral or written.

SWIFT reserves its right to modify any provision of the Terms of Use at any time, subject to a 10 days prior notice on the BIC Search homepage.

If any provision of the Terms of Use is declared by the courts of Brussels to be invalid, illegal, or unenforceable, such a provision shall be severed from the Terms of Use and the other provisions shall remain in full force and effect.

You may not assign the Terms of Use voluntarily, by operation of law, or otherwise.

SWIFT launches gpi certification programme for global payment applications

Core payment application vendors support SWIFT gpi

This press release is also available in Spanish

Brussels, 12 September 2017 – SWIFT announces today the launch of an approved certification programme for vendors that support SWIFT gpi in their payment applications.

This certification programme will ensure that gpi capabilities are inherently available in these applications, thereby reducing both time and cost for the banks when they go live with gpi. The programme builds on the successful implementation by several key vendors at 20 global banks that are exchanging tens of thousands cross-border payments every day using gpi, providing their customers with an enhanced payments experience.

“One of the reasons SWIFT gpi is successful is because the gpi rules and standards are integrated in banks’ core back-office payment applications,” says Wim Raymaekers, Head of Banking Markets and SWIFT gpi at SWIFT. “Vendors are essential to this process, and we welcome more vendors to join this certification programme. For vendors, this certification label will promote their gpi capability to the global banking community. For banks, this means they can go live with gpi even more easily. And for corporates, they will get an even better payments experience. With this approach, everybody wins.”

Vendors are essential to this process, and we welcome more vendors to join this certification programme. For vendors, this certification label will promote their gpi capability to the global banking community. For banks, this means they can go live with gpi even more easily. And for corporates, they will get an even better payments experience. With this approach, everybody wins.

Wim Raymaekers, Head of Banking Markets and SWIFT gpi at SWIFT

SWIFT gpi enables banks to offer a fast, transparent and traceable cross-border payments service. The innovative gpi Tracker allows banks to provide corporate treasurers with an end-to-end view on the status of their payments in real-time, including confirmation when payments have been credited to beneficiaries’ accounts. Treasurers also now have certainty that remittance information, such as invoice references, are transferred unaltered to the beneficiary.

The global payment application vendor community has voiced its excitement about SWIFT gpi, as bringing ‘real world innovation’ to cross-border payments.

WA Proctor, Vice President, ACI worldwide shared how gpi meets customer needs: “SWIFT gpi is a value-added service that lowers support costs and improves customer experience and channel efficiency, which is why we have been an early provider of the functionality. ACI Money Transfer System’s (MTS) gpi solution is configured to be fully integrated with the bank’s applications and workflows, allowing quick rollout – so our customers can experience the benefits of gpi from day one.”

Robin Crewe, CTO, Lending & Transaction Banking, Finastra also emphasised the importance of gpi and the need for a gpi certification label:

“From enabling same day payments to increasing transparency, Finastra is committed to improving the payments experience for banks and corporates around the world. We are proud to work with SWIFT on gpi to improve cross-border payments, and to be able to provide clients of our global payments solution with access to fast, transparent, and traceable payments made around the world. Through SWIFT’s rigorous certification process for vendors, banks and corporates can be confident that Finastra fully supports gpi payments and their capabilities.”

Another key vendor, Cheryl Gurz, Director of CGI’s Global Payments Solutions Group commented:

“CGI continues its fundamental contributions to the global payments industry by integrating SWIFT gpi functionality into our BESS and ALL Payments products, enabling our bank clients to deliver value to their customers by improving the speed and transparency of cross-border payments. The global payments community continues to evolve and CGI is committed to supporting the SWIFT gpi roadmap through future innovation and participation in the SWIFT gpi certification program”.

SWIFT gpi

The new norm
in cross-border payments

SWIFT Platform evolution

Our vision is for instant and frictionless payments, from account to account, anywhere in the world.

A SOLUTION FOR EACH STEP OF THE TRANSACTION

Transactional services

Our core gpi services make sending cross-border payments fast, transparent and trackable.

Pre and post-transaction services

Our pre and in-flight payment services reduce friction and make your cross-border transactions even more seamless.

Services for corporates

Our services for corporates will deliver all the benefits of gpi directly to your corporate customers in their back office systems.

SWIFT gpi enables you to

Deliver a transformed customer experience

Cut costs in your back office

How many man hours do you spend checking on the status of payments? With the gpi Tracker at your fingertips, you and your customers can access real-time payments data any time.

Reduce friction with your counterparts

When payment exceptions occur and an investigation is needed, you want to close the case as quickly as possible. Our transaction services enable you to automate many cumbersome manual processes.

Финансовая сфера

Будущее трансграничных платежей

В докладе «Платежи: взгляд в будущее» Международная межбанковская система передачи информации и совершения платежей SWIFT делится своим видением процесса развития трансграничных платежей. По мнению компании, трансграничные платежи должны быть такими же удобными, мгновенными и доступными, как и внутренние

Директор SWIFT по Центральной и Восточной Европе

Всего за восемь лет — с 2010 по 2018 год — использование наличных в розничных сделках на небольшие суммы в Швеции снизилось с 59 до 20%. Со стороны банков это потребовало значительных изменений и инвестиций: демонтаж ненужных банкоматов (или, что еще хуже, продолжение их обслуживания), инвестиции в выпуск карт, системы безопасности и противодействия мошенничеству и многое другое.

Чтобы выжить в платежном бизнесе, банкам приходится адаптировать собственные системы с учетом изменений в привычках и требованиях клиентов, развертывания внутренних платежных систем в режиме реального времени и перевода локальных систем валовых расчетов на круглосуточную работу.

Трансграничные платежи по своей природе сложнее, чем внутренние, поскольку они связаны с преодолением «замкнутых контуров» множества валютных систем. Дополнительное усложнение системы (в которой уже используются 180 мировых валют и применяются правила и требования еще большего числа юрисдикций) путем введения новых видов «замкнутых циклов» только замедлит перевод средств. Закрытые системы создают барьеры, отрицательно влияют на мобильность и свободу движения стоимости, а также ограничивают конкуренцию и снижают степень ликвидности. Глобальная система должна поддерживать перевод денег между любыми счетами в любой точке мира.

Новая инфраструктура и массовый переход на SWIFT gpi

SWIFT разрабатывает систему трансграничных платежей следующего поколения, которая не будет отличаться от аналогов на внутренних рынках.

Появление внутренних платежей в режиме реального времени и круглосуточная обработка платежей в центральных банках ознаменовали собой новую эпоху трансграничных платежей, которая позволила пересмотреть условия работы в этом секторе. В 2017 году SWIFT и ее сообщество сделали важный шаг для достижения этой цели, представив новую технологию — SWIFT Global Payments Innovation (глобальная платежная инновация) или SWIFT gpi.

При создании SWIFT gpi были сформулированы три базовых условия:

1. Введение специального тега или уникального идентификатора транзакции, который сопровождает каждый платеж на всех этапах проведения операции. Наличие такого 36-символьного маркера позволяет отслеживать платеж по мере его передачи от отправителя через банки-корреспонденты на счет конечного получателя.

2. Введение технического решения (gpi Tracker), которое следит за этими платежами по ходу их передачи и сообщает их статус по запросу.

3. Создание новой трансграничной конвенции, на основании которой банки обязаны обрабатывать платежи от исходного отправителя до конечного получателя в очень сжатые сроки. Причем эти сроки будут известны респондентам и банкам-корреспондентам благодаря системе отслеживания.

Более 55 % трансграничных платежей SWIFT уже проводится через SWIFT gpi. Платежи на сумму более 40 трлн долларов переводятся в 148 валютах между более чем 200 странами по 1100 валютным коридорам быстрее, чем когда-либо. Половина из них зачисляются на счета конечных получателей в течение минут, а подавляющее большинство оставшихся – в течение 24 часов. Через два года для всех трансграничных платежей будет использоваться технология gpi.

Круглосуточная работа

Круглосуточная обработка платежей, не ограниченная рабочим временем, уже становится нормой. В некоторых случаях это происходит потому, что внутренние платежные системы вводят круглосуточную обработку внутренних денежных переводов. В результате постоянно растет число центральных банков, которые вводят собственные системы валовых расчетов в реальном времени (RTGS). Большинство центральных банков наверняка последуют этому примеру, особенно после введения Европейским центральным банком амбициозной системы мгновенных платежей Target Instant Payment Service (TIPS). Система TIPS, стартовавшая в ноябре 2018 года, позволяет круглосуточно осуществлять расчеты в евро на счетах в центральном банке в 24 странах Европейского союза.

Универсальность

Существуют альтернативные замкнутые системы, позволяющие совершать внутренние и трансграничные платежи с помощью, например, личных электронных кошельков, подарочных карт и т.п. Но, как правило, перемещение денежных средств из таких систем не всегда просто, зачастую связано с дополнительными расходами, а иногда и просто невозможно.

С помощью сервиса gpi SWIFT и его сообщество пользователей радикальным образом совершенствуют существующие процессы, которые позволяют улучшить управление ликвидностью, повысить доступность, прозрачность и скорость при осуществлении переводов привычных фиатных валют.

К 2020 году технология gpi станет нормой для тысяч банков, подключенных к сети SWIFT, обеспечивая передачу денежных средств без помех.

Интеллектуальные системы

Большинство трансграничных платежей не требует ручного вмешательства и подходит для сквозной обработки (STP), но их малая доля представляет сложности и становится причиной для дополнительных расходов банков.

Если информация о платеже отсутствует или неверна, сквозная обработка заканчивается и начинаются проблемы. Банк-получатель должен пройти обратно по цепочке платежей, зачастую вплоть до банка-отправителя, который в свою очередь должен уточнить у своего клиента информацию, которая отсутствует или указана неправильно. А поскольку эти запросы выполняются в разных часовых поясах, наличие ошибки может привести к значительным потерям и увеличению затрат конечного потребителя.

Более активное и эффективное использование данных, а также систем искусственного интеллекта и машинного обучения уже сейчас позволяет улучшить алгоритмы контроля и сократить количество ложных срабатываний. По мере накопления качественных данных и совершенствования систем ИИ ручное вмешательство в операции будет неуклонно сокращаться.

Ключевое в решении этой проблемы заключается в избавлении отрасли от главного проклятия — отсутствующих или неверных данных. Поэтому SWIFT использует ряд инструментов для проверки сообщений, среди которых:

• Инстурмент предварительной проверки (pre-validation). Он позоляет банку-отправителю проверять данные, например, полноту и правильность данных получателя (имя, адрес, номер счета) перед созданием платежного поручения.

• Инсутрмент быстрого решения возникших ситуаций (case resolution) способен быстро и интерактивно решать операционные и нормативно-правовые вопросы, упрощая и ускоряя процесс проведения платежей.

В дальнейшем планируется переход к системе, в рамках которой проверка будет проводиться только один раз.

Соблюдение нормативных требований

Трудности в области соблюдения нормативных требований растут одновременно с усложнением регулятивных процедур и наложением штрафов. Необходимость применения в банковской сфере самых строгих средств контроля и наиболее эффективных инструментов для обнаружения и предотвращения незаконного использования финансовой системы очевидна.

Переход платежных систем в Еврозоне, США и Великобритании на открытый стандарт ISO 20022 в ноябре 2021 года подтолкнет развитие интеграции как внутри государств, так и между ними

Если небольшие банки могут избежать процедуры де-рискинга при использовании комплаенс-решений SWIFT, то для осуществления мгновенных платежей требуется совершенно новая парадигма осуществления контроля. Поэтому необходимо обязательное развитие инструментов контроля финансовых преступлений и расширение возможностей получения информации о клиентах, проведение проверок их транзакций и выявление злоупотреблений, связанных с отмыванием денег, при этом снижая вероятность дублирования и открывая новые возможности для повышения эффективности процессов контроля.

Работа в режиме реального времени

По мере внедрения технологии SWIFT gpi, когда все больше внутренних транзакций начинает работать в режиме реального времени, мгновенные трансграничные платежи становятся все реальнее. На четырех азиатских рынках SWIFT gpi используется для мгновенных платежей в разные географические регионы через внутренние инфраструктуры мгновенных платежей, работающие в режиме реального времени. Сейчас то же самое применяется и в Европе, а также постепенно внедряется структура, которая позволит проводить такие платежи по всему миру.

Заглядывая в будущее, можно даже представить, что некоторые внутренние системы платежей в реальном времени будут предлагать беспрепятственные «трансграничные платежи по номеру мобильного телефона или адресу электронной почты» через систему SWIFT, даже не зная номера банковского счета.

Структуризация информации

Современные, открытые и глобально внедряемые стандарты являются ключевым фактором для обеспечения мгновенности и удобства трансграничных платежей, сопоставимых по характеристикам с внутренними платежами.

Использование этого стандарта позволит банкам проводить мгновенные трансграничные и внутренние платежи напрямую на счета конечных получателей. Это позволит рынкам с меньшим оборотом быстрее развиваться и выйти на международный уровень. А для более крупных рынков – создаст условия для осуществления платежей по всему набору валют в режиме реального времени внутри рынка между банками, различными провайдерами платежных услуг, карточными схемами, системой валовых расчетов и местными расчетными палатами. Более того, миграция на данный стандарт создаст долгосрочные предпосылки для внедрения новых технологий в финансовой индустрии по мере их возникновения. В планах SWIFT облегчение процесса миграции посредством предоставления сервисов по сопоставлению и преобразованию существующих форматов в новый стандарт.

Открытость

SWIFT вкладывает огромные средства в поддержание открытой архитектуры API, делая сервисы доступными через платформу API, повышая гибкость и расширяя возможности для подключения к ней без ущерба для безопасности. Например, API-платформа SWIFT проводит обмен информацией через ту же защищенную частную IP-сеть, которая защищает службу обмена сообщениями SWIFT. Открытый доступ к сети тщательно контролируется, и пользователи сети подчиняются строгим требованиям безопасности для конечных точек и проходят идентификацию с использованием проверенного цифрового идентификатора.

Тесное взаимодействие

Банки и корпорации, а также специализированные платформы, действующие от их имени, вскоре смогут инициировать трансграничные платежи SWIFT, просто посредством API-запроса прямо в точке продаж. В ожидании успешного результата теста концепции с торговой платформой R3 SWIFT планирует развернуть gpi-платежи на торговых платформах, созданных на основе технологии DLT. Решая проблемы с платежами, с которыми сталкиваются платформы DLT, инициируются платежи SWIFT gpi в рамках рабочего процесса торговли, автоматически передавая их в банковскую систему.

Доверие

Правовые нормы, которые регулируют трансграничные платежи, четко определяют, кто и в каких случаях несет ответственность, а также определяют момент исполнения платежа и информируют нас о том, когда можно полагаться на инфраструктуру, а когда — нет. Решение всех этих вопросов очень легко принять как должное, но это не так просто.

Как только трансграничные платежи станут такими же удобными, как и внутренние транзакции, границы в плане обслуживания между крупным и розничным бизнесом постепенно сотрутся, банковские платежные услуги и инфраструктура станут одинаково удобными и доступными как для электронной коммерции, операций между физическими лицами и для крупного бизнеса.

Материал подготовлен на основании доклада Международной межбанковской системы передачи информации и совершения платежей SWIFT «Платежи: взгляд в будущее».

Bank & Country information and identification

Identify financial institutions and corporates worldwide, and support efficient payments processing and regulatory reporting

BIC Plus & BIC directory 2018

BIC Plus & BIC directory 2018 contain all Business Identifier Codes (BICs) issued by SWIFT under ISO 9362:2014. Both files will inform your customer of the institution behind the BIC, whether this BIC is connected to SWIFT, and where the financial institution is located.

Bank directory Plus

Bank directory Plus is your customers’ one-stop-shop for accurate, up-to-date global payments reference data, collected directly from data originators, including central banks, code issuers, clearing & settlement mechanisms (CSMs), banking associations, regional financial communities and financial institutions.

Country, Currency & Holiday

ISO country and currency codes are indispensable reference data when it comes to avoiding payment delays and rejections. The same is true of bank holiday information. The Country, Currency and Holiday (CCH) directory provides exactly this. The directory is also part of BIC Plus.

Bankers World Online

Bankers World Online is SWIFTRef’s flagship service. Bankers World Online is an online lookup directory providing access to worldwide payments and correspondent banking reference data, as well as financial information for financial institutions and corporates worldwide.

SWIFT gpi for payment application providers

Universal payment confirmations for application providers

Tracking and confirming payments in real time is fundamental in the world of modern commerce, and requires the buy-in of banks along the payment chain.

gpi member are already using the Unique End-to-End Transaction Reference (UETR) to track payments across non-gpi institutions. The next step is universal payment confirmations.

By the end of 2020, all financial institutions receiving customer payments (MT 103 messages) need to confirm when a payment is credited to the beneficiary account.

Universal confirmation rulebook

The Universal confirmation rulebook outlines in detail the requirements of universal payment confirmations. By the end of 2020, all financial institutions receiving customer payments (MT 103 messages) will need to confirm when a payment has been credited to the beneficiary account. We recommend you start your development to support universal payment confirmations now, and offer it to customers as from Standards Release 2019.

Testing your application’s readiness

SWIFT offers opportunities to validate your readiness for universal payment confirmations through My Standards Readiness Portal and through dedicated test cases in the Vendor test bed. Please contact us for more information.

How to promote universal payment confirmation readiness

You can join SWIFT’s Self-Attestation Programme to promote through SWIFT communication channels when:

The Self-Attestation Programme highlights these application provider offerings to the SWIFT community.

* Readiness as per the business rules defined in the Universal confirmations rulebook

Please note that the self-attestation form should not be confused with the SWIFT certification programme. Participation in the Self-Attestation Programme does not allow use of SWIFT logo. SWIFT will make public the names of Self-Attestation Programme members on SWIFT.com and other channels for promotional purposes.

If you have questions or need further information, please contact us.

Self-attestation

Corporates go live with multi-bank tracking on SWIFT gpi

Nine corporates supported by seven gpi banks successfully implement multi-bank gpi payments and tracking through their treasury applications

In February this year, a mix of 22 banks and corporates initiated a pilot to test the SWIFT gpi for Corporates (g4C) standard that enables corporates to initiate and track gpi payments, to and from multiple banks, directly from their ERP and treasury management systems.

After only eight months, the majority of corporates and banks are now live on g4C (as of 22 October) including Airbus, BBVA, Booking.com, Borealis, Citi, Deutsche Bank, General Electric, IATA, J.P. Morgan, LVMH Moët Hennessy Louis Vuitton, Microsoft, Ping An Group, Roche, Sumitomo Mitsui Banking Corporation, Société Générale, Standard Chartered Bank and SWIFT Treasury. All other pilot participants are planning to go live before the end of 2018.

Since the start of the pilot phase, gpi banks, corporates and SWIFT have collaborated to set the scope of the project, define the new standard, implement it within their treasury systems and test ahead of the recent round of go lives.

“The g4c pilot has been the perfect opportunity for us to collaborate with peers and banks to co-create a common solution that responds to our requirements,” says Thibault Moncouet, Corporate Finance Operations, Airbus Integrated Treasury. “It is important for corporates that our banks offer a standardised solution, instead of us having to adapt our systems differently depending on the bank we are working with.”

Leading corporates go live with multi-bank tracking on SWIFT gpi

Solving pain points for corporate treasurers

SWIFT gpi for Corporates allows corporates with multiple banking partners to have a fully integrated single view on the status of their cross-border payments in their TMS and ERP systems.

Lisa Wagner, Group Treasury Manager at Microsoft says, “The ability to access a greater level of payment information in a timely manner through SWIFT gpi is bringing immediate benefits to our payments experience with greater transparency and responsiveness to our vendors. Providing multi-bank information all in one place and in the same format fits into our modern finance roadmap.”

The solution solves a number of major challenges for corporate treasurers, by allowing real-time tracking of payments, facilitating more accurate reconciliation, and preventing costly and time-consuming investigations for missing or incorrect payments.

Peter Claus-Landi, Senior Director, Treasury, GE, explains: “The biggest value that gpi delivers to GE, as well as the rest of the corporates, is the transparency and the defined Service Level Agreements around the transaction lifecycle of the payments. With g4C, we will finally be able to have a better understanding of how long it takes for a payment to move from point A to point B, so it will help us with optimising liquidity.”

The platform also gives corporate treasurers full transparency over fees and FX, providing insights into the most efficient way to send payments around the globe.

Peter Claus-Landi adds: “The overall data insights that gpi will provide are going to be huge for corporates as it will unlock a lot of information that we’ve never been able to see before.”

The ability to access a greater level of payment information in a timely manner through SWIFT gpi is bringing immediate benefits to our payments experience with greater transparency and responsiveness to our vendors

Lisa Wagner, Group Treasury Manager, Microsoft

Looking ahead

Following this major milestone, g4C will be extended to additional banks and corporates as part of an early adopters phase with a view to provide availability to the entire community by mid-2019.

If you are a corporate connected to SWIFT, and interested in leveraging gpi to improve your payment operations, speak to your SWIFT account manager, your banking partners and treasury system providers.

SWIFT global payments innovation (gpi)

Global banks are working together to make a dramatic change in cross-border payments

Today, SWIFT gpi is transforming the cross-border payment experience entirely, by:

SWIFT gpi is set to be the standard for all cross-border payments by the end of 2020.

Value for gpi banks

SWIFT gpi enables banks to:

Value for corporates

SWIFT gpi enables bank’s corporate customers to:

Swift gpi code

SWIFT global payments innovation (gpi)

ВОПРОСЫ и ОТВЕТЫ

1. В чем ключевые отличия технологии gpi от классической системы?

2. В чем заключаются преимущества для банков и клиентов?

3. Сравните стоимость двух систем для банков?

4. Как много банков уже подключились к gpi?

5. Сколько транзакций (количество и объем) уже прошли по gpi?

7. Как влияет участие в gpi на построение платежной цепочки?

9. Как SWIFT gpi помогает соответствовать комплаенсу?

10. Существуют ли какие-либо ограничения по валютам? Можно ли включить рублевый платеж в gpi?

Unlocking payment confirmations for all

The vast majority of payments on SWIFT are now confirmed.

Frequently asked questions about Universal Confirmations

Find out the answer to some of the key questions about Universal Confirmations, download the rulebook, and find out how you can get further help.

Table of contents

What is Universal Confirmations and why is it necessary?

Being able to track and confirm payments in real-time is fundamental in the world of modern commerce. All banks in a payments chain need to work together to bring this to reality.

We took the first step towards achieving this in 2018, with the introduction of the Unique End-to-End Transaction Reference (UETR) for all payments.

End-to-end tracking and confirmation of credit are essential for two reasons:

What’s more, business processes and supply chains increasingly rely on payment confirmations: without it, sellers may not release the goods.

By which date do I need to confirm payments?

I’m already a gpi member, do I need to do anything?

How long do I have to provide a confirmation update?

You’re required to provide confirmation to the Tracker within a maximum of two business days following the value date in the MT 103.

How can I confirm payments?

There are a number of ways you can confirm your payments, both automated and manual.

For institutions that handle higher volumes of payments, there are four other options:

Universal confirmations – all you need to know

Confirmations of credit are coming to all SWIFT customer payments

By the end of 2020, every single customer payment (MT 103 on FIN) will require a confirmation that the funds have been credited to the end beneficiary account.

Payment confirmations are the next piece in the puzzle in our path towards creating a seamless cross-border payments experience for our community and their customers.

What is a payment confirmation?

We receive confirmation of things every day. When we send an instant message to a friend, we get a tick to let us know they have received it, or when we make an online purchase, we get a notification from the courier that our parcel has safely arrived where we expected it to.

The same principle applies to payments. Payment confirmations provide the originating bank a notification that the end beneficiary has had the funds credited to their account. It provides certainty to transactions needed to keep the wheels of trade turning.

That’s why we want to bring the benefits of confirmations and end-to-end tracking to the whole SWIFT community.

Why are we making confirmations mandatory?

Payment confirmations are necessary to facilitate the smooth flow of money around the world.

Banks often have to handle multiple queries on the status of payments, creating frustrations for their customers and adding operational overheads. It also has a knock on effect of putting a strain on the relationship between a buyer and seller when there is a problem with a payment.

Businesses depend on knowing that a payment has arrived as an integral part of their supply chain. Without this step, trade can be impacted and goods and services end up delayed.

Confirmations enable banks to provide an improved customer experience by offering transparency and certainty that the funds have reached their destination.

And crucially, confirmations enable the building out of new value-added services to future proof your business.

Payment confirmations are the next piece in the puzzle in our path towards creating a seamless cross-border payments experience for our community and their customers.

What do you need to do?

As of end 2020, all financial institutions on FIN will need to provide a confirmation on the status of their incoming MT 103 payments. This applies if the funds have been credited to a beneficiary account as well as if the payment is rejected.

Confirmation is required within a maximum of two business days following the value date indicated in the MT 103 for non-gpi members. However, you’re encouraged to provide a confirmation as soon as possible. gpi agents must continue to respect the business rules as set out in the SWIFT gpi rulebook.

Confirmations should include:

In addition, it is recommended to also update the Tracker if the payment is transferred to an agent outside of FIN or when the payment cannot be processed immediately.

What help is available?

To make this happen, SWIFT has developed a number of user-friendly ways to confirm payments.

SWIFT gpi member banks already have access to the full tracking and confirmation features of gpi, including full visibility on the status of a payment, the relevant fees attached, and FX and remittance information.

For banks who are not gpi members yet, you can send confirmations through a range of automated and manual solutions.

When will the changes come into effect?

Universal confirmations will become mandatory for all financial institutions on FIN as part of SWIFT’s 2020 annual Standards MT Release. It will already be possible for non-gpi members to provide confirmations as from November this year when the Standards MT Release 2019 is activated.

To find out more about payment confirmations, visit www.swift.com/confirm

Still have questions about universal confirmations?
Join one of our upcoming webinars to find out more.

SWIFT gpi for Market Infrastructures

Enable your community to take full advantage of SWIFT gpi.

Document centre

Download our resources.

Hear from Nordea about how they took an agile approach to implementing SWIFT gpi using a small team of in-house.

Intesa Sanpaolo takes a ‘business first’ approach to SWIFT gpi adoption

The SWIFT gpi initiative

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Press release – Italian version

Press release – French version

Press release – Spanish version

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SWIFTgpi at Sibos 2016

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SWIFT gpi: The biggest thing to happen to correspondent banking in 30 years

Over 300 representatives from banks, corporates, market infrastructures (MIs) and the press gather around the world to mark the successful delivery and fast-growing reach of SWIFT gpi

Corporate cross-border payments are undergoing a once in a generation change. Today, SWIFT gpi is revolutionising how international payments are made by combining real-time payments tracking with the speed and certainty of same-day settlement. Available since January 2017, more than 20 global transaction banks have begun actively using or implementing the SWIFT gpi service, with another 50 in the implementation pipeline. Hundreds of thousands of gpi payments have already been sent across more than 85 country corridors.

To celebrate this step-change in correspondent banking, events were held across the world – Singapore, Frankfurt, Beijing and New York – in late May. Uniting the celebrations was the theme, ‘SWIFT gpi, promise delivered – together’, highlighting that, in delivering SWIFT gpi, the global financial community has met its pledge to dramatically improve the cross-border payments experience for corporates.

New York opens the celebrations

Beijing takes over the festivities

At sunset in Asia on 23 May, Beijing continued the celebrations at the prodigious Diaoyutai State Guesthouse. Alain Raes, Chief Executive, Asia Pacific at SWIFT received over 130 banks, MIs, corporates and media, including 13 leading Chinese gpi member banks. In his speech, Mr. LI Wei, Director of IT, People’s Bank of China, underlined the power of the SWIFT network that the Chinese community has relied on for over 30 years. In turn, Bank of China and Industrial and Commercial Bank of China – both live on SWIFT gpi – shared their experience with the service. «Bank of China has always been one of the global gpi leading banks. We are ecstatic about the potential efficiency, predictability and transparency SWIFT gpi brings to us and our customers,” said Mr. ZHANG Qingsong, Executive Vice President, Bank of China.» Following this, Mr. PENG Hua, Deputy General Manager, ICBC stated that, “Since the inception of SWIFT gpi in 2015, ICBC has been committed to the success of deployment. We have been live since February this year and in March we rolled out to our overseas branches in Hong Kong and Singapore; now we plan to roll it out to others. Earlier this month, we also went live on the Tracker to provide our corporates with the best cross-border payments experience!”

Singapore welcomes representatives from around APAC

Only a few hours later, the celebrations in Singapore kicked off, with over 60 delegates from across APAC eager to hear the latest about SWIFT gpi. In his welcome address, Christian Sarafidis, Chief Marketing Officer, SWIFT said: “With the right technology at the right time, SWIFT has successfully helped correspondent banking reach a significant milestone in its evolution. 24 banks in Asia Pacific are already live or ready to implement SWIFT gpi, showing the strong commitment of the banks in the region to offer innovative services to their corporate clients.”

A panel discussion then ensued, discussing how SWIFT gpi is solving the problems that currently exist in cross-border payments as well as what it takes to implement the service. During the debate, Navinder Duggal, Group Head of Cash Product Management at DBS – a live gpi bank – underlined how gpi will enable the bank to transform the service they can provide to clients. “DBS is proud to be amongst the first Asian banks to go live with SWIFT gpi. It enables banks to offer faster, transparent and traceable cross-border payments service. The highly innovative gpi tracker allows us to provide end-to-end visibility on the status of payments and confirmation of the amount credited to the beneficiaries’ account.”

Live banks take centre stage in Frankfurt

Prepared for a full day of discussions and work sessions, all underlining gpi’s power and benefits, over 75 attendees joined the event in Frankfurt – travelling from the Nordics, southern Europe, France, Central Europe and Russia. In his welcoming remarks, SWIFT’s CEO, Gottfried Leibbrandt said, “Our global network has established rules and market practices. It has deep liquidity, unique reach and is a great asset to the industry. Our biggest efforts in innovation are focused on correspondent banking which, through gpi we aim to bring into the 21st century.

SWIFT gpi is designed to address end-customer needs without compromising banks’ abilities to meet their compliance obligations and market, credit and liquidity risk requirements.”

Wim Raymaekers, head of gpi at SWIFT, continued with a synopsis of the gpi journey to date. “Since the end of 2015, we have come very far, very fast – together. We now have 20 banks live on gpi, more than 110 banks signed up, and hundreds of thousands of messages have been sent covering more than 85 country corridors. Having started with mainly global banks, we are now seeing more and more regional players and domestic clearing banks joining, which is very promising,” said Raymaekers.

The subsequent panel discussion featured speakers from the Swiss Federal Railways SBB, UniCredit and Deutsche Bank. Stefan Eggli from SBB, put the case from the corporate perspective, “Cross-border payments are like a black box for us. We don’t know when the funds will be credited, we don’t know what fees we will be charged and we also have problems with reconciliation. The Tracker is important for us to do investigations and to be able to answer our own customers’ queries, especially when it comes to refunds. We definitely think that gpi goes in the right direction and we really appreciate that the time to market is good.” In the afternoon, attendees enjoyed the exchanges by gpi live banks on their implementation projects as well as discovering the Tracker and other gpi features.

The Tracker is important for us to do investigations and to be able to answer our own customers’ queries, especially when it comes to refunds. We definitely think that gpi goes in the right direction and we really appreciate that the time to market is good.

All in all, by bringing together all parties around the world in a spirit of collaboration, the celebrations reflected gpi as a whole. Emerging from the events, attendees were proud of the achievements that SWIFT gpi has already made, but well aware of the great efforts still required to make gpi the new standard in cross-border payments.

SWIFT global payments innovation (gpi)

Global banks are working together to make a dramatic change in cross-border payments

Join the leaders in payments innovation

SWIFT gpi brings together banks worldwide who want to offer an enhanced cross-border payments experience to their corporate customers.

By being part of SWIFT gpi, you’ll improve the quality of your correspondent relationships and network, helping to reduce risks and management costs and improve compliance. Become a leader in payments innovation, helping to shape the future and meet the challenges the industry faces today.

Membership is open to any supervised financial institution (SWIFT Group 1 category) that agrees to comply with its business rules.

Current members of SWIFT gpi

To date, more than 150 banks have joined the service, with the capability to channel payments into over 220+ countries – representing 78% of SWIFT’s total cross-border payments in volume.

What is a Unique End-to-end Transaction Reference (UETR)?

A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over SWIFT.

What is a UETR?

A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over SWIFT.

How do they work?

Why are UETRs so important?

In today’s digital world, banking services are being driven by developments in the consumer space. People now expect clear, accurate and real-time payment information.

UETRs are fundamental to meeting these demands by delivering genuine transparency and true end-to-end tracking of international payments.

Who should provide a UETR?

All SWIFT users (whether gpi members or non-gpi members) originating payments must provide a UETR as standard for each of the following message types:

What benefits do UETRs bring?

UETRs allow banks to easily trace their payments in real-time, regardless of complexity or the number of counterparties involved.

They also provide a number of other benefits, including:

How do I ensure compliance?

Likewise, beneficiary banks (even if they are not gpi customers), must be able to receive and process UETRs to reconcile payments.

Institutions issuing cover payments must be able to create a copy of the original UETR and pass it over to the cover payment message.

Universal confirmations

The Basic Tracker

Messaging solutions for banking and payments

You rely on us for secure and reliable messaging for correspondent and corporate payments and banking. That’s our core. We also have solutions to mitigate operational and compliance risks, keeping your business safe and sound.

Faster, Smarter, Better

Our solutions

The enhanced SWIFT platform for payments

Our vision is for instant and frictionless payments, from account to account, anywhere in the world.

SWIFT Go

Enable your customers to send fast, predictable, cost-effective and secure low-value cross-border payments anywhere in the.

Payment Pre-validation

Eliminate frictions in international payments by upfront verification of account details in real time.

Case Management

Here for you when things go wrong.

Case resolution

Streamline and automate your exception management processes with gpi Case Resolution.

Stop and Recall

In collaboration with the banking and corporate communities, SWIFT is designing additional payment services for delivering.

SWIFT gpi

Cross-border payments, transformed.

Instant cross-border payments

Interbank payments and correspondent banking

Secure, reliable, compliant, efficient: we offer complete solutions for your correspondent banking needs

Intraday liquidity

Meet BCBS reporting requirements and manage intraday liquidity better

Download this ebook to learn how financial institutions can deliver a better payments experience.

Removing friction in cross-border payments

SWIFT at Sibos: Removing friction in cross-border payments

When making a payment, delays, lack of visibility, or a loss of information can lead to poor user experiences with costly consequences.

In a landscape where users expect all of their payments to be fast, trackable and predictable, financial institutions need to reduce friction in cross-border payments.

In this SWIFT at Sibos 2021 session, we’ll take a closer look at where frictions arise and what tools are available to help the industry address this challenge.

Latest news on payments

Instant treasury for an instant world

How can real-time account information help make life simpler for corporate treasurers? Wim Raymaekers, Global Head.

New experiments pave way for international payments using CBDCs

SWIFT, in collaboration with Capgemini, is conducting new experiments to test how we can interlink domestic.

SWIFT introduces universal real-time payment tracking

gpi Tracker extended to all payment messages

Enabling end-to-end tracking of all payment instructions through to the end destination is a game-changer.

Lars Sjögren, Global Head of Transaction Banking, Danske Bank

SWIFT gpi has been hugely beneficial for banks and their customers since its launch, but extending this tracking facility across all payments traffic will be truly transformational.

Harry Newman, Head of Payments, SWIFT

SWIFT launches multi-bank gpi payment initiation and tracking service for corporates

Over 50 of the world’s largest banks and corporates already signed up

More than 50 of the world’s largest companies – including LVMH, Microsoft and Petronas – have already signed up to SWIFT gpi for corporates.

Multi-bank payment initiation & tracking

Addressing the needs of multi-banked corporates

Giving treasurers visibility, transparency and control

The service allows corporates to track all their payments in real-time, facilitating more accurate reconciliation, and preventing costly and time-consuming investigations.

SWIFT gpi for corporates:

Hear what banks, corporates and vendors are saying about gpi for corporates

Ordering

A branch code is an optional element for all BICs, consisting of a three-character Branch Code linked to the related BIC assigned by SWIFT.

The connection status of the BIC will determine the connection status of the branch code:
A branch code created on a connected BIC will result in a connected branch code.

A connected branch code is a three-character code linking to an active BIC8. It appears in the header of a SWIFT message.

A connected branch code with a location code (8th digit) ends with a character other than 1.

A branch code created on an unconnected BIC will be an unconnected branch code.

A branch code must identify a branch, department, service or system that belongs to the same legal institution as the corresponding BIC.

An unconnected branch code (BIC11) is published in the BIC Directory by default. While not recommended, a SWIFT User may decide to register an unconnected branch code as non-published.

A non-published code must only be used if it is so agreed on a bilateral basis or within a group of users.

You must decide if you need a connected, an unconnected branch code or both.

You must also decide if you need a test and training BIC for the new requested branch code.

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Explained: SWIFT gpi UETR – Unique End-to-End Transaction Reference 12

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What is the UETR – Unique End-to-End Transaction Reference?

Which Message Types Require the UETR – Unique End to End Transaction Reference?

What are the UETR SWIFT Format Requirements?

Where to indicate the UETR Field 121 in the SWIFT Header Block 3

What is the Service Type Identifier Field 111?

Okay, I have a generated the UETR – What Next?

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