An ISO Structured Creditor Reference Validator




This validator may be used to check and/ or validate an ISO Structured Creditor Reference.

The format of an ISO Structured Creditor Reference is RFCCX...X which is made up as follows

RFThe two characters RF.
CCCheck digits, also taking up two characters. These are calculated using the MOD 97-10 algorithm according to ISO 7064 (in the same way that IBAN check digits are calculated).
  X...X   The actual Creditor Reference which may be up to 21 characters in length.

Within a SEPA (Single Euro Payments Area) transaction an ISO Structured Creditor Reference appears like this within the XML structure for Remittance Information - this is according to the version of the message formats introduced in November 2010:


This ISO Structured Creditor Reference validator is copyright © Maric Services Ltd 2008-2016 and may not be copied without express written permission. It is supplied “as is” as a service to the SEPA community. However, Maric Services Ltd accepts no responsibility for its accuracy or for any loss consequent to its use.

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