Reference Types
| Type | Full Name | Standard | Format | Use Cases |
|---|---|---|---|---|
| Structured Creditor Reference | ISO 11649 | RF + check digits + reference | International payments, invoices, creditor references | |
| QR Reference | Swiss QR-Bill | 27 digits with check digit | Swiss QR-bill payments, domestic Swiss transactions | |
| In-payment Slip with Reference | Swiss ESR/ISR | 27 digits (orange slip) | Traditional Swiss payment slips, ESR references | |
| Internal Reference | Proprietary | Company-specific format | Internal tracking, custom reference systems | |
| End-to-End Reference | SEPA standard | Max 35 chars alphanumeric | SEPA transfers, European payments, transaction tracking | |
| Payment Reference | Generic | Varies by institution | Purchase orders, invoice numbers, payment IDs | |
| Mandate Reference | SEPA Direct Debit | Max 35 chars alphanumeric | Direct debit mandates, recurring payments | |
| Creditor Reference | ISO 11649 variant | Structured format | Invoice references, accounts receivable | |
| Unstructured | Free text | Max 140 chars | General notes, unstructured payment information | |
| None/Not Applicable | N/A | No reference | Payments without specific reference requirements |