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Why haven’t I received the funds someone sent to my account?

Written by Taylor Morgan
Updated this week

If you haven’t received your funds, please check the following:

  1. Obtain proof of payment from your sender.
    Ask your sender for a proof of payment issued by their financial institution — not just a payment notice from a company. The proof should include:
    • Your payment details (e.g., account number, business's legal name, recipient address)
    • The payment method used (e.g., Wire SWIFT, EFT, ACH, Fedwire, UK Faster Payments, SEPA)

  2. Confirm the payment method matches your payment details.
    The payment method used must exactly match payment details you provided. For example:
    • A Wire SWIFT transfer must be sent to your Wire SWIFT details.
    • An EFT payment must be sent to your EFT details.
    • An ACH payment must be sent to your ACH details.
    • A Fedwire payment must be sent to your Fedwire details.
    • A UK Faster payment must be sent to your UK Faster details.
    • A SEPA payment must be sent to your SEPA details

  3. Check the transfer date.
    • Payments sent on weekends or public holidays (in either the sender’s or recipient’s country) will only be processed on the next business day.

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