Proof of payment

Retrieve proof of payment for a completed transaction to share with your recipient or beneficiary in the event of a credit query. This should always be the first step before raising a SWIFT tracker or equivalent investigation.

Verto supports proof of payment for two payment types:

• SWIFT payments — a UETR (Unique End-to-End Transaction Reference) or MT103 is provided
• Nigeria local payments — a session ID is provided

When to use this

If a beneficiary reports that funds have not been received, retrieve the proof of payment first and share it with them. In most cases this resolves the query without needing to escalate to a formal payment investigation.

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Always provide proof of payment to your beneficiary before initiating a SWIFT

tracker or raising a payment investigation. This avoids unnecessary delays and recall fees.

Retrieving proof of payment

Call the Retrieve Proof of Payment endpoint using the paymentId of the completed transaction.

Response by payment type

SWIFT payments

For SWIFT payments, the response will include one or both of the following:

Share the UETR or MT103 with your beneficiary or their bank to confirm the payment was sent.

Nigeria local payments (NGN)

For Nigerian local payments, the response will include:

Share the session ID with your beneficiary or their bank to confirm the payment was sent and assist with locating the funds.

Payment investigation escalation

If sharing the proof of payment does not resolve the query, contact your Verto account manager or reach out to [email protected] to escalate to a formal