Skip to content
ToolQivo

Invoice Reference Number Generator

A payment reference with a check digit — RF creditor, Finnish, Norwegian KID or mod-10.

Invoice Tools Reviews Free · no sign-up 
The result appears here

Quick Tool Overview

The Invoice Reference Number Generator creates payment references with check digits — ISO 11649 RF creditor references, Norwegian KID, Finnish references and Luhn mod-10 — and validates a reference a customer has quoted.

What it does
Generates check-digit payment references
You give it
A base number and a format
You get back
A valid, correctly grouped reference
Best for
Automatic payment reconciliation
Invoice Tools Free, unlimited use No sign-up Runs in your browser

About the Invoice Reference Number Generator

An invoice number identifies an invoice. A payment reference identifies a payment — and in much of Europe it carries a check digit, so a bank can reject a mistyped reference at the moment it is entered rather than letting a payment arrive that nobody can match.

This generates the reference formats that matter. The ISO 11649 RF creditor reference, the international structured reference usable in any SEPA transfer, with its mod-97 check digits. The Norwegian KID number with its mod-10 or mod-11 check digit. The Finnish national reference with its 7-3-1 weighted check digit. And a plain Luhn mod-10 check digit for your own reference schemes.

Enter the base — usually the invoice number or a customer and invoice combination — and it produces the reference in the correct format and grouping. It also validates an existing reference, which is how you check a reference a customer has quoted.

Key features of the Invoice Reference Number Generator

RF creditor reference

The ISO 11649 format any SEPA transfer can carry.

Norwegian KID

Mod-10 or mod-11, as Norwegian banks validate.

Finnish reference

The 7-3-1 weighted national format.

Validation

Check a reference before you chase a payment.

Correct grouping

Printed in the blocks banks expect.

How to use the Invoice Reference Number Generator

  1. 1

    Pick the format

    RF creditor reference, Norwegian KID, Finnish reference or Luhn.

  2. 2

    Enter the base

    Usually the invoice number, or a customer number plus the invoice number.

  3. 3

    Copy the reference

    Correctly grouped for printing on the invoice.

  4. 4

    Or validate one

    Paste a reference a customer quoted to check its check digit.

Frequently asked questions

An international structured payment reference defined by ISO 11649. It starts with RF, two check digits and up to 21 characters, and can be used in any SEPA credit transfer so the payment arrives with a reference the bank has already validated.

Reviews of the Invoice Reference Number Generator

What people who use the Invoice Reference Number Generator think of it. Reviews come from visitors and are posted as written.

No ratings yet

Yours would be the first.

  • 5 0 reviews rated 5 stars
  • 4 0 reviews rated 4 stars
  • 3 0 reviews rated 3 stars
  • 2 0 reviews rated 2 stars
  • 1 0 reviews rated 1 star

Write a review

Used this tool? Your rating helps the next person decide.

Your rating

Plain text only — links, email addresses and HTML are not accepted. Your name and review are shown publicly; nothing else is collected. See the privacy policy.

0 reviews

Newest first

No reviews yet

Be the first to rate the Invoice Reference Number Generator. It takes half a minute and no account.

Write the first review

More invoice tools