32A (Value Date / Currency / Amount)

InterbankSettlementDate + InterbankSettlementAmount (often also InstructedAmount)

Confirms the value date and currency of funds released by the payer’s bank. Use this date to calculate the 2–3 business-day processing window.

33B (Instructed Amount / Currency)

InstructedAmount

Shows the amount the payer instructed their bank to send versus what was actually settled. Helps identify fee deductions.

50K (Ordering Customer)

Debtor + DebtorAccount

Payer information (name and account). Ensure it matches the payment request. Mask personal details if shared externally.

59 (Beneficiary)

Creditor + CreditorAccount

Beneficiary details (Flywire account name and IBAN). Must match the Flywire payment instructions.

70 (Remittance Information)

RemittanceInformation (RmtInf)

Should contain the Payment ID or invoice/student reference. Missing info causes reconciliation delays.

71A (Details of Charges – OUR/SHA/BEN)

ChargeBearer – DEBT/SHAR/CRED

Indicates who paid the transfer fees. Primary field for short-payment investigations (DEBT = OUR; SHAR = SHA; CRED = BEN).

:20 (Transaction Reference)

InstructionIdentification (InstrId)

Sending bank’s internal instruction number used to locate the transaction internally.

:21 (Related Reference)

EndToEndIdentification (EndToEndId)

Payer’s own reference (Invoice No., Student ID, etc.).

UETR

Unique End-to-End Transaction Reference – ISO 20022 global trace ID for tracking payments across banks.

52/53/56/57 (Bank Path Fields)

DebtorAgent / CreditorAgent / IntermediaryAgent

Identify if intermediary banks were involved. More hops can mean longer processing times.