# Payment not on account: ask for SWIFT message

- Source-Date (SAST): 2026-08-26
- Dest: IA
- Review-after: 2027-02-28
- Status: current

## Facts

- If Mulanga/sales forwards a receipt PDF and Eric sees **no sign** of the payment, ask the client for the **SWIFT message** so the bank can be queried — do not assume POP PDF alone proves clearance.