Stop asking banks for wire status. Monitor every transfer by its UETR.
uetr.ai watches public bank trackers for any UETR around the clock, translates SWIFT and bank status codes into plain English, and emails the moment anything changes. Sender, beneficiary, or a third party tracking for a client, your team gets one live view of every transfer, without sitting in a bank phone queue. We do not move funds and we do not replace the bank's official trace; we end the part where no one will tell you what the banks reported.
A wire goes out. The sending bank confirms it. And then, nothing.
The sending bank says it is "on its way." The beneficiary says nothing has arrived. Both can be telling the truth at the same time, and that is the maddening part: the money is real, it was sent, and right now no one in the chain will tell you where it sits.
So your team waits. Someone refreshes the receiving account. Someone calls the bank, holds in the queue, and reaches a person who reads back the one line you already have: "It has left our side." Someone emails the beneficiary's bank and gets an auto-reply. A supplier deadline, a closing, a payroll run gets closer. And the transfer just sits there, somewhere, silent.
Here is the part nobody tells you: it is usually not stuck because something went wrong. It is silent because of how cross-border payments are built.
Why a transfer goes silent
An international transfer usually does not travel by a single bank's brand name alone. It travels by reference, from the sending bank through any correspondent banks to the beneficiary's bank. One bank's view may not show the full payment path. Official end-to-end visibility depends on the tools and access rights available to the banks involved.
There is one reference intended to tie the chain together: the UETR, the Unique End-to-end Transaction Reference, a 36-character code generated with the payment instruction. Banks handling the transfer are expected to preserve that reference in the payment chain. When public trackers expose events for that UETR, the problem becomes translation: separate trackers, access limits, and four-letter codes like ACSP or ACWC that need context before you act on them.
That is the job we do.
Give us a UETR and we put a dedicated, AI-enabled agent on the parts we can check. It reviews public tracker sources without stopping, day and night, and assembles available events into a single timeline: which institution is visible, what status was reported, and when. Then it translates the status into plain English. The moment the tracker information changes, your team gets an email.
To be clear about what we are and are not: uetr.ai is an information service. We are not a bank. We do not hold, move, release, or speed up the money, and we are not affiliated with any bank or network. What we give you is not certainty over the payment outcome; it is a clearer tracker-data view so the next bank conversation starts from specifics.
1. Enter the UETR
Do not have it? Check the payment advice: field 121 on an MT103-format advice, or the UETR element inside PmtId on a pacs.008-format document. It may also appear in online banking under the payment details. Whoever sent the wire can pass it along.
2. Get a readable trail
We query multiple international banks on the SWIFT network for the same UETR, not just the one that sent it, then organize what each reports into one timeline and translate visible status into plain English.
3. Your AI agent stays on watch
A dedicated, AI-enabled agent keeps re-checking the bank trackers, day and night, and emails you the instant the status changes.
What you actually learn
See which banks have reported the transfer, by name, country and BIC code, wherever the trackers reveal it.
Know the exact status the moment it appears: credited, pending, changed, rejected, or not yet visible, straight from the bank trackers.
Every code like ACSP or RJCT explained in one plain sentence, so the team knows whether to wait or to escalate to the bank now.
Follow the country and the correspondent banks the trackers expose, each with its own timestamp.
An instant email the moment the status changes, sent by your AI-enabled agent, day or night.
Some status changes start a clock.
Here is what nobody warns you about: not every update is just news. Some of them need action, fast.
A bank in the chain can refuse a wire outright, and the status that reports the refusal does not say where the money now sits. It can be accepted with changes, the amount reduced or the details edited by a bank along the way. It can stop on a compliance question, where a bank quietly waits for a document from the sender or the beneficiary and tells no one. Each of these is easiest to fix close to the day it happens, while the banks involved still have the transaction in front of them.
That is the real cost of silence. Not the waiting, but missing the moment your team could still act.
uetr.ai emails the moment a bank tracker reports a change. Good news, everyone stops worrying. Bad news, your team is the first to know, and you move the same day instead of finding out when a supplier or a client finally calls.
Trusted by employees at Fortune Global 500 companies, and by thousands of businesses and individuals across 120+ countries.
uetr.ai has already traced the equivalent of over USD 5 billion in SWIFT transfers, across 38 currencies.
Watch the one transfer you are worried about, or every transfer your team sends.
One delayed wire can hold up a supplier payment, a closing, a shipment, or payroll. Live tracker context and an instant alert cost less than the hours a team burns calling banks about a single one.
Watch 10 transfers at once, 24/7, with your whole team.
- 10 transfers monitored at once, each watched 24/7
- Up to 10 team members can see every report and get instant email alerts
- Every team member can add transfers themselves
Cancel anytime · 30-day money-back guarantee
About one bank trace fee, answering in minutes, not weeks.
Add your UETR after checkout. Once sources respond, you will see which banks have reported it and exactly what to ask your sending bank.
- One UETR · watched 24/7 for 7 days
- Tracker timeline + code translation
- Email the moment anything changes
30-day money-back guarantee
Watch 20 transfers at once, 24/7, with your whole team.
- 20 transfers monitored at once, each watched 24/7
- Up to 10 team members can see every report and get instant email alerts
- Every team member can add transfers themselves
Cancel anytime · 30-day money-back guarantee
Secure checkout powered by Stripe · 30-day money-back guarantee
What you are paying for: Always-on monitoring of public bank trackers, with plain-English status and an email the moment anything changes. uetr.ai is an information service, not a bank, so we read and translate tracker data while the banks still move the money. Eligible transactions may use Stripe Managed Payments, where Link is the merchant of record and Stripe provides the payment infrastructure. Cancel anytime · 30-day money-back guarantee. See refund policy, terms, privacy.
Questions, answered
What happens when I archive a transfer?
Archiving stops its checks and alerts and keeps its saved timeline in Archived, together with its payment record if the transfer is paid. On a paid subscription it also frees the transfer's active slot, and archived transfers stay available while the subscription remains active. There is no separate archive limit. With an active paid subscription, a transfer that has reached its final status moves to Archived automatically after seven days. Restoring requires an active paid subscription and a free slot.
Are you a bank? Can you move or release my payment?
No. uetr.ai is an information service, not a bank or payment provider. We do not hold, move, release, or speed up funds, and we are not affiliated with any bank or network. We show available tracker information so you know what to ask the bank next.
Do I have to be the sender to track a transfer?
No. uetr.ai monitors a payment by its UETR, so it works the same whether you sent the wire, are waiting to receive it, or are tracking it for a client or counterparty. Anyone holding the 36-character UETR can watch its public tracker status.
Can my teammates add transfers, or only view them?
Teammates add transfers themselves. Every team member on a Monitor account can add a transfer, archive or restore one, open every timeline with plain-English status, and receive status-change email updates. Billing, renaming, re-check timing, and team membership stay with the account owner, so the list is shared and the account stays yours. Each teammate signs in with their own email, with no shared password.
What if you cannot find the transfer?
Some legs of a payment are not visible on any public tracker, and a transfer that is only minutes old may not have reported yet. We keep re-checking around the clock and email you when tracker status appears or changes. If we never give you a clearer picture than you started with, the 30-day money-back guarantee has you covered.
How is this different from just calling the bank?
Calling the bank is still important. The difference is preparation: uetr.ai keeps checking public bank trackers, organizes any available events into one timeline, and translates visible status codes so the call starts from specifics instead of the same scripted hold reply.
Is my data safe?
We only need your UETR and the email you want alerts sent to. We do not ask for account credentials or any ability to touch your money, there is nothing for us to move.
Can I cancel?
Yes. Monitor and Monitor 20 renew monthly and can be cancelled from your account. Paid access continues until the end of the paid period. After cancellation, your account and all active and archived transfers are permanently deleted 15 days after paid access ends. Download your records or resubscribe before that date. Rescue is a one-time purchase. See the Refund Policy for the 30-day guarantee, timing and limits.
Who charges my card?
Eligible transactions may use Stripe Managed Payments, where Link is the merchant of record and Stripe provides the payment infrastructure. The checkout and receipt identify the payment seller.
Is this easy to justify to finance?
Yes. One delayed six-figure wire can stall a shipment, a payroll run, or a supplier relationship, and a single answer can cost a treasury or operations team an hour on hold. Monitor is a flat monthly cost that covers up to 10 wires your team is watching at once, sent or incoming, in one timeline. It includes 10 total team seats, owner included, so the whole team can see every monitored transfer and choose to receive status-change email updates. It reads as operational visibility, not another tool to learn.
What do the status codes mean?
They are payment status codes that can appear in SWIFT or bank tracker data, such as ACSP, ACWC, ACCC, or RJCT. We show the visible code with a plain-English explanation, but the bank remains the authority on the payment.
Why does it matter how fast I learn about a status change?
Some changes are just progress. Others can need action from you: a rejected transfer has been refused and only the sending bank can say what happens to the money, an amended one can arrive with different details, and a compliance hold can be waiting on documents only you can provide. Those situations are typically easiest to resolve close to the day they happen, while the banks involved still have the transaction in front of them. uetr.ai emails you as soon as bank trackers report a change, so the next move happens on your schedule, not after the silence ends.
Every day without an answer is harder than the last.
Put the UETR on watch and get the exact question to put to the bank.
Not ready to choose a plan? Check a UETR on the free tracker first. No account is needed.