---
title: "ISO 20022 Payment Reference Generator"
method: POST
path: "/v1/tools/payment_reference_gen"
---

# ISO 20022 Payment Reference Generator

`POST /v1/tools/payment_reference_gen`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/payment_reference_gen`
- Auth: none declared

Generate valid ISO 20022 End-to-End IDs, NACHA Individual IDs, SEPA UET references, and UPI QR references — with format validation and best-practice guidance. Client-side only, zero PII.

**Tool URL:** https://ainumbers.co/tools/25-payment-reference-gen.html
**AP2/Policy Mandate export:** yes

## Request body

- object

## Response `200`

Successful tool execution result

- object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)