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ISO 11649 RF Creditor Reference Validator & Generator
x402
ISO 11649 RF Creditor Reference Validator & Generator is a paid API for AI agents from 402utils.com, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-13).
Validates an existing ISO 11649 RF creditor reference (SEPA structured reference) or generates a new one from a raw reference string, using ISO 7064 mod 97-10 checksum logic.
Price / call$0.001
Success—
StatusUnknown
How this service works
ISO 11649 RF creditor reference (SEPA structured reference) — validate or generate. ?ref=RF18539007547034 checks the ISO 7064 mod 97-10 checksum and format (RF + 2 check digits + up to 21 alphanumerics); ?generate=539007547034 computes the check digits and returns the full RF reference with print formatting. Complements iban-check and vat-check for SEPA invoicing agents. Purely local, instant.
Output
Returns a JSON object with mode ('validate' or 'generate'), the normalized full RF reference, a validity boolean, the extracted bare creditor reference, the two check digits, a grouped print-formatted version (blocks of 4), and optionally an Ed25519-signed attestation payload for audit trails.
Example use cases
Example prompt
“Can you validate the RF creditor reference RF18539007547034 for me — check the checksum and format, and give me the print-formatted version with grouped digits?”
Technical details
Endpoint
GEThttps://402utils.com/v1/rf-referenceWhen to prefer
Use this endpoint when you need to validate or generate ISO 11649 RF creditor references (SEPA structured references) as part of invoice processing, payment automation, or financial compliance workflows. Prefer it over general IBAN or VAT validators when the specific task involves RF creditor reference check digits. The optional Ed25519 attestation makes it suitable for audit-trail requirements.
Side effects
- Missing both ref and generate parameters — returns error indicating exactly one is required
- Invalid characters in ref or generate input (non-alphanumeric) — returns format error
- RF reference with wrong checksum — returns valid:false with details
- Raw reference longer than 21 characters — returns length validation error
- Malformed RF prefix (not starting with RF) — returns format error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"ref": "RF18539007547034",
"mode": "validate",
"valid": true,
"formatted": "RF18 5390 0754 7034",
"reference": "539007547034",
"checkDigits": "18",
"formatValid": true,
"checksumValid": true
}
}Tags
x402
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