> ## Documentation Index
> Fetch the complete documentation index at: https://docs.wellapp.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Remittance Info Reference

> Essential remittance information reference type indicators for categorizing payment reference formats

## Reference Types

<table>
  <thead>
    <tr>
      <th>Type</th>
      <th>Full Name</th>
      <th>Standard</th>
      <th>Format</th>
      <th>Use Cases</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        <strong>SCOR</strong>
      </td>

      <td>Structured Creditor Reference</td>
      <td>ISO 11649</td>
      <td>RF + check digits + reference</td>
      <td>International payments, invoices, creditor references</td>
    </tr>

    <tr>
      <td>
        <strong>QRR</strong>
      </td>

      <td>QR Reference</td>
      <td>Swiss QR-Bill</td>
      <td>27 digits with check digit</td>
      <td>Swiss QR-bill payments, domestic Swiss transactions</td>
    </tr>

    <tr>
      <td>
        <strong>ISR</strong>
      </td>

      <td>In-payment Slip with Reference</td>
      <td>Swiss ESR/ISR</td>
      <td>27 digits (orange slip)</td>
      <td>Traditional Swiss payment slips, ESR references</td>
    </tr>

    <tr>
      <td>
        <strong>IREF</strong>
      </td>

      <td>Internal Reference</td>
      <td>Proprietary</td>
      <td>Company-specific format</td>
      <td>Internal tracking, custom reference systems</td>
    </tr>

    <tr>
      <td>
        <strong>EREF</strong>
      </td>

      <td>End-to-End Reference</td>
      <td>SEPA standard</td>
      <td>Max 35 chars alphanumeric</td>
      <td>SEPA transfers, European payments, transaction tracking</td>
    </tr>

    <tr>
      <td>
        <strong>PREF</strong>
      </td>

      <td>Payment Reference</td>
      <td>Generic</td>
      <td>Varies by institution</td>
      <td>Purchase orders, invoice numbers, payment IDs</td>
    </tr>

    <tr>
      <td>
        <strong>MREF</strong>
      </td>

      <td>Mandate Reference</td>
      <td>SEPA Direct Debit</td>
      <td>Max 35 chars alphanumeric</td>
      <td>Direct debit mandates, recurring payments</td>
    </tr>

    <tr>
      <td>
        <strong>CRED</strong>
      </td>

      <td>Creditor Reference</td>
      <td>ISO 11649 variant</td>
      <td>Structured format</td>
      <td>Invoice references, accounts receivable</td>
    </tr>

    <tr>
      <td>
        <strong>USTD</strong>
      </td>

      <td>Unstructured</td>
      <td>Free text</td>
      <td>Max 140 chars</td>
      <td>General notes, unstructured payment information</td>
    </tr>

    <tr>
      <td>
        <strong>NON</strong>
      </td>

      <td>None/Not Applicable</td>
      <td>N/A</td>
      <td>No reference</td>
      <td>Payments without specific reference requirements</td>
    </tr>
  </tbody>
</table>