At Lunar, we send international payments via various payment networks – including local payment channels, SWIFT, and SEPA.
How and how precisely a payment can be tracked depends on the type of transfer used:
Local payment channels: Many payments are now sent via local rails, which makes them both faster and often easier to trace. Contact our customer service, and we’ll help you investigate where the payment is located.
SWIFT MT103 payments: These are sent as individual transactions and have a unique transaction ID (UETR key). This allows us to trace your payment via the SWIFT GPI Tracker and see where it is in the flow.
SEPA payments: These apply to euro transfers within Europe and are sent in batches, which makes it more difficult to trace individual transactions. However, in some cases, we can contact the recipient's bank and request a status update.
Incoming payments: If you are expecting money from abroad, we recommend that the sender contacts their own bank and requests a trace.
We can help investigate the matter but need documentation in the form of an MT103 or pacs.008 message, which the sender can obtain from their bank.
Have you sent an international payment and want it tracked? Contact our customer service – we’ll help you take the next steps.