Yan from Owner.One

Few people closely track their international payments via SWIFT trackers, though it’s worth doing as it can reveal potential problems. When you send a USD payment, it typically passes through 3-5 banks. If the payment gets delayed, it's likely that one of these banks has compliance or KYC-related questions for the sender. The bank will request the sender’s client profile from the previous bank in the chain. After reviewing the sender’s identity and finances, the bank either processes the payment, returns it, or freezes it. All banks in the chain can be held responsible if a gray-area or illegal payment is flagged, so they carefully check every transaction to avoid liability. If a bank requests more information about a payment, all other banks in the chain will be aware. Your sending bank will likely notice and may monitor your future transactions more closely or review your profile. Tracking payments helps you understand where and why delays occur, even if the payment eventually clears. You can delegate this task to an assistant, as some SWIFT trackers allow tracking by payment number without revealing sensitive details. It’s also essential to maintain a well-prepared client file with your banks—an important topic for another discussion.