ISO_11649
The Creditor Reference (also called the Structured Creditor Reference) is an international business standard based on ISO 11649, implemented at the end of 2008.
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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.