Your documents are nearly ready. Your bank looks at them once.
What happens between “documents finished” and “money received” decides whether you wait days or weeks. This page shows where discrepancies come from, and what a pre-check changes.
Why one discrepancy costs so much
Under UCP 600 Art. 14(b) the bank has up to five banking days to examine your documents. If they are refused, you correct them and the clock starts again. The fee is not what costs you money - the second trip through is.
Illustrative depiction of the process, not measured averages. Actual duration depends on the bank, the correction effort, and the documents involved.
Three steps, about two minutes
You upload what you already have
Letter of credit, commercial invoice and bill of lading as PDFs. Packing list, certificate of origin and insurance certificate optional. No re-typing, no forms, no preparation on your side.
You see what was read - and correct it
Before anything is checked, we show you every extracted field, with anything uncertain marked. You stay in control of what the check is based on.
You get a list you can actually work from
Not a traffic light with nothing behind it: for each finding, the article involved, the value found, the value expected, and a concrete fix - ordered the way a bank would raise them.
This is what you get back
A real example of a single finding. Every entry in your result list looks exactly like this.
Goods description
The goods description on the invoice differs from the credit (field 45A). The invoice must describe the goods exactly as the credit does.
100% cotton men's shirts
100% cotton men's shirts, style X
Suggested fix: Add “style X” to the invoice goods description so it matches field 45A word for word.
The last part is the one that matters: you do not just learn that something is wrong, you learn exactly what to change - while the document can still be changed.
What actually gets checked
Every check is tied to an article and runs deterministically: same input, same result, traceable at any time.
On the transport document itself
- Claused bill of lading, notations on the condition of the goods (Art. 27)
- Loaded on deck (Art. 26(a))
- Charter party indication (Art. 20(a)(vi))
- Transhipment against an express prohibition (Art. 20(b)/(c))
- Ports of loading and discharge against fields 44E/44F
Between the documents
- Goods description word for word against field 45A (Art. 18(a)(v))
- Amounts and quantities including tolerances (Art. 30)
- Names and addresses, with ISBP 745 typo logic (A21)
- Freight terms and insurance against the Incoterm
Against the clock
- Latest shipment date (field 44C)
- Expiry date (field 31D)
- Presentation period (field 48, otherwise 21 days per Art. 14(c))
What this check is not
It does not replace the bank's examination. The issuing, advising or confirming bank examines independently and may reach a different conclusion.
It is not a promise that your document set will be accepted. “No discrepancies found” means nothing was found in the checks performed - not that the bank will pay.
It does not replace an experienced document examiner on judgement calls. Unusual credit clauses and questions of interpretation still belong in experienced hands.
It is not legal advice.
See it on a sample document set
A realistic document set, evaluated instantly. No account, no credit card, no registration.