How to check payment status by reference ID?

To check a payment status using a reference ID or number (like a TRN or UTR), you typically have a few options. Log in to your bank's online banking portal or mobile app to view transaction history and status updates. If the information isn't immediately visible, you can contact your bank's customer support and provide the reference number for an update. For certain types of cross-border transfers (SWIFT), you may also use specific online trackers if provided by the sender's bank or third-party services.