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, a few 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 worked example of a single finding, with made-up documents and figures. Every entry in your result list has exactly this shape.
Commercial Invoice
Example Textiles Ltd
- Invoice no.
- INV-2291
- Date
- 01 Jan 2026
- L/C no.
- EXAMPLE-LC-001
Seller
Example Textiles Ltd
1 Sample Street
Exampletown
Buyer
Sample Import GmbH
Musterstraße 1
12345 Musterstadt
| Qty | Description of goods | Amount |
|---|---|---|
| 2,000 pcs | 100% cotton men's shirts | USD 17,000.00 |
Total USD 17,000.00
Commercial Invoice #INV-2291
Goods description
Found
100% cotton men's shirts
Expected (L/C field 45A)
100% cotton men's shirts, style X
Goods description
The goods description on the invoice differs from the credit (field 45A). The invoice must correspond with the credit's description; it need not be a mirror image, but no goods detail may be missing.
100% cotton men's shirts
100% cotton men's shirts, style X
Suggested fix: Add “style X” to the invoice goods description so it corresponds with field 45A.
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 against field 45A (Art. 18(c))
- Amounts and quantities including tolerances (Art. 30)
- Names and addresses, with ISBP 821 typo logic (A23)
- 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))
The counterparties
- Applicant and beneficiary of the credit, buyer and seller on the invoice, against the EU, US (incl. OFAC SDN) and UK (FCDO) consolidated sanctions lists; the report names exactly which lists actually ran and as of when
- Embargoed countries in origin, destination and party addresses
- A near-certain match is a stop that needs a named sign-off, a partial match a warning; not a substitute for your export-control screening
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.