Can I track a payment with a reference number?

Yes, you can track a payment using a reference number. For international wire transfers, this is often a Transaction Number, Sender Reference, or SWIFT UETR. For UPI transactions, you can use the UPI Reference Number (UTR) to check the status through your bank or the NPCI UPI complaint portal. For example, in Paytm, the UTR is found in the transaction history.