Payment Reference Format Guide
Standardize reference IDs across systems before payments hit reconciliation workflows.
1. Define one canonical reference pattern per payment product.
2. Enforce allowed character sets and maximum length constraints.
3. Preserve case rules consistently between API and exports.
4. Validate checksum rules where local standards require them.
5. Reject ambiguous separators that break parser assumptions.
6. Add format validation before queueing settlement requests.