Reconciling Acknowledgment Messages

The acknowledgment message from the SWIFT network contains the field 108. The field carries Message User Reference (MUR) information of the original message. This information can be presented in one of the following ways:

• MUR information is present in the user header of the original message.
• If no MUR is present in the original message, contents of Field 20 of the original message or (for Category 5 messages only) the contents of Field 20C, with the code word SEME, but only when all the letters of the alphabets are uppercase.
• Contents of Field 20C.

For reconciling, you must have the reference information of the MT message sent and value of the tag 108 of the acknowledgment message received. Compare both information. If they match, the reconciliation is successful.