The highest standard of information

Here at Money Mover, we value transparency and security above all else. Knowing where your money is at all times during the transaction process is a comfort and a convenience.

That's why we provide a proof of payment for every one of your payments made through our platform. 

What is an MT103?

An MT103 is a standardised SWIFT payment message used specifically for cross border/international wire transfers.  We use SWIFT for all payments made via Money Mover.

MT103s are globally accepted as proofs of payment and include all payment details such as date, amount, currency, sender and recipient.

MT103s are also great for tracing payments which are missing or delayed because they show the route of the payment between the banks.

How do I view my MT103?

Once your payment has been dispatched, you can retrieve your MT103 by logging into your Money Mover account, selecting your completed payments and clicking 'View'. Your MT103 will appear at the bottom of the record. There's even a 'copy to clipboard' function so you can forward it to your recipient.

Sounds great! How do I get one?

Banks typically charge $25 and take a week to provide a copy of an MT103. If you're a Money Mover user, you get them instantly and for free.

What is PACS 008?

From October 2025, MT103s have been replaced by a newer and more detailed payment confirmation called PACS 008.

SWIFT PACS 008 is an XML-formatted message that replaces older MT103 and MT103 messages. It also describes the sender, receiver and payment information for routing, clearing and settling payments between banks, but provides a significantly higher level of detail.