> For the complete documentation index, see [llms.txt](https://help.impact.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.impact.com/partner/zh/ni-xiang-liao-jie-shen-me/platform-features/finance/finance-documents/mt103-explained.md).

# MT103 说明

MT103 是一种标准化的 SWIFT（环球同业银行金融电讯协会）支付报文，专门用于跨境或国际电汇。它是全球公认的付款凭证，包含所有必要的付款详情，如付款日期、金额、货币、发送方和接收方。

{% hint style="info" %}
**注意：** 请记住在 [通过中间银行提现时的限制](/partner/zh/ni-xiang-liao-jie-shen-me/platform-features/finance/payments-withdrawals-and-balance/limitations-of-withdrawals-via-intermediary-banks.md).
{% endhint %}

<div data-with-frame="true"><figure><img src="/files/f2eec190d9737885cb7a9d41f244c36de5234194" alt=""><figcaption></figcaption></figure></div>

#### 我该如何处理 MT103？

MT103 可确认付款已发送。 **这是 impact.com 能提供的唯一付款凭证**。作为付款的受益人，您可以将 MT103 信息带到您的银行，银行需要利用所提供的信息帮助定位您的资金。

* 请参见 *MT103 格式* 以下部分对 MT103 中找到的信息进行拆解。

<details>

<summary>MT103 格式</summary>

| 折线          | 说明                | 示例                                              |
| ----------- | ----------------- | ----------------------------------------------- |
| 20          | 交易参考编号            | `:20:GB123456ABCD21C1`                          |
| 23B         | 银行操作代码            | `:23B:CRED`                                     |
| 32A         | 价值日期、货币和金额        | `:32A:220113ZAR15000,05`                        |
| 33B         | 货币和原始订单金额         | `:33B:ZAR15000,05`                              |
| 50A、F 或 K   | 付款客户 - 姓名和地址      | `:50K:P SHERMAN 42 WALLABY WAY SYDNEY 2000,AUS` |
| 52A 或 D     | 发起行               | `:52A:AAYBAU2S`                                 |
| 53A、B 或 D   | 发送方代理行            | `:53B:12345678901`                              |
| 54A、B 或 D   | 接收方代理行            | `:54A:BL20070000`                               |
| 56A、C 或 D   | 中间行（银行）           | `:56A:CP0103`                                   |
| 57A、B、C 或 D | 机构账户（您的银行）        | `:57A://SC400515`                               |
| 59 或 59A    | 受益人客户 - 4x35      | `:59:/12345678 ACME HOLLYWOOD, CA`              |
| 70          | 汇款信息              |                                                 |
| 71A         | 费用明细（OUR/SHA/BEN） | `:71A:SHA`                                      |
| 72          | 发送方至接收方信息         | `:72:/INS/PMT LEGAL FEES //SYDNEY BRANCH`       |
| 77B         | 监管报告              | `:77B:PURPOSE:SUPP`                             |

</details>

{% hint style="info" %}
**注意：** impact.com 不是金融机构，也无法访问全球银行数据。如需帮助定位您的付款资金，请携带您的 MT103 信息直接联系您的银行。
{% endhint %}


---

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```
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```

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