If you receive a SUCCESS status for a payment but have not received the funds, it is important to understand the process and possible reasons for this situation.
SUCCESS Status: This indicates that the originating bank has accepted the instruction to send the funds. However, this status does not guarantee that the funds will be received by the beneficiary.
Possible Issues: The payment(s) might be subsequently rejected by the originating or beneficiary institution due to various reasons, such as Anti-Money Laundering (AML) protocols, sanctions, Politically Exposed Persons (PEP) checks, or other internal mechanisms.
What to Do Next
Contact Your Bank: For detailed information and to resolve the issue, it is best for the Payment Service User (PSU) — the Originator of the payment — to contact their bank directly. Banks typically only provide detailed information about the payment to the Originator and not to third parties like Token.
While Token can assist in reaching out to the bank, it is often more effective for the PSU to handle this directly, as banks may only share detailed information with the account holder.
For further assistance or if you have additional questions, please have the PSU reach out to their bank directly.