Reconciliation - PaymentReference

If you fill out the field PaymentReference, then the ID follows, that you’ve written as a  PaymentReferencefor the payment, if the merchant has chosen Instant Transfers. PaymentReference is not a required string, as it is completely up to the merchant to decide, the needed ID used to reconcile transactions with the bank.

For example, if the merchant wants to use their FIK-Creditor-ID for transactions, then you simply choose the reference number, which can be the merchant FIK Creditor ID. There are no special requirements for the merchant FIK creditor-ID to be able to use it for MobilePay Invoice.

If you do not fill out  PaymentReference, then it would be the input from the field  InvoiceNumber,  that will be the reference on the payment. InvoiceNumber is a required string.