[{"data":1,"prerenderedAt":95},["ShallowReactive",2],{"glossary-creditor-reference":3},{"id":4,"title":5,"body":6,"description":84,"extension":85,"lastUpdatedAt":86,"letter":87,"meta":88,"navigation":89,"path":90,"seo":91,"stem":92,"summary":93,"term":5,"__hash__":94},"glossary\u002Fglossary\u002Fcreditor-reference.md","Creditor Reference",{"type":7,"value":8,"toc":78},"minimark",[9,17,32,43,48],[10,11,12,13,16],"p",{},"The ",[14,15,5],"strong",{}," (ISO 11649) is an internationally standardised payment reference designed to replace unstructured remittance information. On Swiss QR-bills it is used when the creditor holds a regular IBAN (not a QR-IBAN).",[10,18,19,20,23,24,27,28],{},"Format: ",[14,21,22],{},"RF"," + 2-digit check digits + up to 21 alphanumeric characters.",[25,26],"br",{},"\nExample: ",[29,30,31],"code",{},"RF18 5390 0754 7034",[10,33,34,35,38,39,42],{},"The check digits are calculated using the same algorithm as the IBAN (ISO 7064 MOD-97-10), making the reference self-validating. It is carried in the QR Code field ",[29,36,37],{},"Reference"," with type ",[29,40,41],{},"SCOR",".",[44,45,47],"h3",{"id":46},"key-facts","Key facts",[49,50,51,58,63,70,75],"ul",{},[52,53,54,55],"li",{},"Standard: ",[14,56,57],{},"ISO 11649",[52,59,19,60,62],{},[29,61,22],{}," + 2 check digits + max 21 alphanumeric chars (max 25 total)",[52,64,65,66,69],{},"Used with: regular ",[14,67,68],{},"IBAN"," (not QR-IBAN)",[52,71,72,73],{},"QR Code reference type: ",[29,74,41],{},[52,76,77],{},"Internationally recognised — usable for cross-border invoices",{"title":79,"searchDepth":80,"depth":80,"links":81},"",2,[82],{"id":46,"depth":83,"text":47},3,"The Creditor Reference (ISO 11649) is an internationally standardised payment reference designed to replace unstructured remittance information. On Swiss QR-bills it is used when the creditor holds a regular IBAN (not a QR-IBAN).","md","2026-04-21","C",{},true,"\u002Fglossary\u002Fcreditor-reference",{"description":84},"glossary\u002Fcreditor-reference","ISO 11649 structured payment reference used with a regular IBAN on Swiss QR-bills and international invoices.","yiP0AGACeDkJ50QJQaMoIFtboUzD9_BjQ8RS6oQzXog",1776765748937]