How can I track my money transfer with a reference number?

Excuse me, could you please elaborate on how I might go about tracking my money transfer using a reference number? I understand that the process can vary depending on the payment method and the institution involved, but I'm hoping for some general guidance. Is there a specific website or platform that I should be using? Or do I need to contact the sender or recipient of the transfer directly? Additionally, is there a timeframe within which I should expect to see updates on the status of my transfer? I appreciate your help in navigating this process.