🔍 Why the Reference Code Matters
The reference code helps identify:
which account the transfer belongs to
which customer sent the payment
how the payment should be processed
Missing or incorrect codes can delay processing.
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⏳ What Happens Next?
If the reference code was missing or entered incorrectly:
the transfer may remain pending
manual review may be required
processing times may increase
Processing delays can vary depending on:
banking status
transfer details
support review volume
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💲 Manual Recovery Fee
If manual recovery or payment investigation is required, a:
$25 manual recovery fee
may apply.
Manual review may include:
locating unmatched payments
reviewing transfer records
manually connecting deposits to accounts
📬 What You Should Do
If you sent an e-Transfer without the correct reference code:
request a live agent through support
or email [email protected]
Providing the following information may help speed up the review:
transfer amount
sending email address
transfer time and date
bank name if requested
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⚠️ Important Reminder
Always double-check the reference code before submitting an e-Transfer to help avoid:
processing delays
manual reviews
additional recovery fees
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