Trace Payment Log For Free

Once you have received this Trace ID, you can determine the status or location of a transaction by contacting your financial institution. Once your financial institution has located the transaction using the Trace ID, your financial institution and you can work together to determine the next steps.

Both Canadian- and U.S.-dollar banking services are available for Wire, AFT (ACH) and Cheque. The USD clearing systems are separate and unique to those in the U.S., such as the Fed, the Clearing House and U.S. banks.

If you're worried about your payment, you can contact the sending bank and request a trace on the wire transfer using the reference number¹. Many banks will do this, though you may have to pay an additional fee.

ACH Reversal Requirements A reversal can only be processed if an entry or file was processed in error. The reversing entry must be transmitted to the bank within five banking days after the settlement date of the erroneous file. If it is past the five banking-day time frame, a reversal cannot be processed.

Every ACH transaction has two Trace IDs, including one for the source and one for the destination. You should be able to find these ACH transaction trace numbers listed in your online banking or payment account, listed under a heading such as 'transaction details'. Contact the bank.

ACH transfers can be tracked via a 15-digit number referred to as a trace number. The trace number is issued by the sending institution, and can be provided to your receiving institution to track the impending transfer even before it has arrived in their system.

Contact the bank. If you are the one waiting to receive a payment, you should contact your own bank with the ACH trace number. You may have to contact the payer for these details. If the payee is the one waiting for the transaction to clear, they should contact their bank.