When tracking a SWIFT payment on Ohmyfin, you may see a green ✅ Validated badge next to the payment amount. This article explains what it means and how it can help you.
What Does It Mean?
The "Validated" badge indicates that one of the correspondent banks involved in processing your payment has confirmed the exact amount you entered when creating your tracking request. This is an automated cross-check — our system compares the amount you provided against the amount reported by the bank, and if they match, the badge appears.
When Is This Useful?
Amount validation can be particularly useful if you are the beneficiary (receiver) of a payment. If you do not have full trust with your counterpart — for example, when dealing with a new supplier, a first-time client, or any situation where you want independent confirmation — seeing the "Validated" badge gives you additional assurance that the amount in transit matches what was agreed.
It provides a layer of transparency: instead of relying solely on the sender's word, you can see that a bank in the payment chain has independently reported the same amount.
Important Limitations
- Not all payments can be validated. Amount validation depends on whether the correspondent banks in the payment route report the amount in their tracking data. If you do not see the "Validated" badge, it does not mean the amount is incorrect — it simply means the data was not available for cross-checking.
- We cannot validate the beneficiary. The "Validated" badge confirms the amount only. It does not verify who the payment is going to or that it will reach the intended recipient.
- Payments may be recalled. Even after amount validation, the sender's bank may recall the payment at any time before final settlement. A validated amount does not guarantee that the funds will ultimately be credited to the beneficiary's account.
Summary
The "Validated" badge is a helpful signal, but it is one piece of the picture. It confirms that the amount in the banking system matches what you expect — nothing more, nothing less. For complete certainty about a payment, always wait for final confirmation from your own bank that the funds have been credited to your account.