Creditor Reference
Norwegian receivables banking identifier number
The Creditor Reference (also called the Structured Creditor Reference) is an international business standard based on ISO 11649, implemented at the end of 2008.
Using Creditor Reference, a company can automatically match its remittance information to its A/R. This means that the company's financial supply chain's automated processing will be increased.
The Creditor Reference was first implemented within the SEPA rulebook 3.2.
Implementation
A vendor adds the Creditor Reference to its invoices. When a customer pays the invoice, the company writes the Creditor Reference instead of the invoice number in the message section, or places a Creditor Reference field in its payment ledger.
When the vendor receives the payment, it can automatically match the remittance information to its Accounts Receivable system.
Structure
The Creditor Reference is an alphanumeric string, up to 25 characters long, with the letters "RF" at the beginning. After the letters are two check digits, which can be used to confirm that the reference was entered correctly.
The remaining part of the Creditor Reference (up to 21 alphanumeric characters) is the Reference. The content of the Creditor Reference can be chosen without any restrictions.
The public source identifies “Creditor Reference” as norwegian receivables banking identifier number. This brief keeps that definition visible, then builds a research path around Creditor, Norwegian and receivables.
Why this record matters
A short description can identify a subject without explaining its stakes. For “Creditor Reference”, the useful work is to connect “norwegian receivables banking identifier number” to the records capable of establishing context and consequence.
Vocabulary and entity names are the principal evidence signals here, because they determine the precision of every later search. The source revision retrieved here is dated Sep 1, 2026. The linked authority identifier is Q5183800. None of the 0 selected statements returned an explicit reference. The first chronological checks are 2008.
Overview language is designed for orientation and should not be treated as a substitute for the evidence cited beneath it. The lead is largely declarative, so disagreement and counter-evidence require a deliberate search beyond the opening account. Authority statements aid reconciliation but still require their own references, qualifiers and ranks to be checked.
How to read it
Use the entry as an orientation point, then follow its citations and revision history. Names, dates and institutional relationships should be checked against the original record.
- Subject orientation
- Search vocabulary
- Locating named sources
The closest primary source, responsible institution and strongest cited specialist reference.
Three-step research path
- Establish the record: confirm the title “Creditor Reference”, its source revision and the description used here.
- Expand the search: follow Creditor Reference primary sources, Creditor Reference archive and Creditor research across catalogues and specialist indexes.
- Test the account: compare the strongest cited source with the responsible institution’s current record and note any disagreement.
Questions for further research
- Which source most directly establishes the central claim about “Creditor Reference”?
- Which cited source is closest to the event, object or claim?
- Which institution is responsible for the underlying evidence?
Search terms from this dossier
This entry incorporates text from “Creditor Reference” on English Wikipedia. Contributors are listed in the page history. Text is available under the Creative Commons Attribution-ShareAlike 4.0 License. Selected authority identifiers and statements are retrieved from Wikidata under CC0; their references and qualifiers remain part of the verification path.