---
title: "CreditorReference – API-Referenz · Quittio"
description: "The Creditor Reference of ISO 11649: \"RF\", two check digits (modulo 97-10) and up to 21 letters and digits. It goes with an ordinary IBAN in the Swiss QR bill."
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> Index of every page on this site: [llms.txt](https://quittio.dev/llms.txt)

[API reference](https://quittio.dev/docs/api) / [Quittio](https://quittio.dev/docs/api/Quittio) \\ [Country](https://quittio.dev/docs/api/Quittio/Country) \\ [CH](https://quittio.dev/docs/api/Quittio/Country/CH) \\ [QrBill](https://quittio.dev/docs/api/Quittio/Country/CH/QrBill)

# CreditorReference

final class in quittio/country-ch

`Quittio\Country\CH\QrBill\CreditorReference` · [Source](https://github.com/Quittio/quittio/blob/v0.7.1/packages/country-ch/src/QrBill/CreditorReference.php#L11)

The Creditor Reference of ISO 11649: "RF", two check digits (modulo 97-10) and up to 21 letters and digits. It goes with an ordinary IBAN in the Swiss QR bill.

## Methods \#

| Method | Description |
| --- | --- |
| `::format()` | The reference in blocks of four for printing. |
| `::fromCharactersOf()` | The Creditor Reference of the letters and digits of $value, e.g. of an invoice number; null without any or with more than 21. |
| `::isValid()` | Whether $reference (spaces allowed, any case) is a Creditor Reference with correct check digits. |

### `format()`#

```
public static function format(string $reference): string
```

static

The reference in blocks of four for printing.

| Parameter | Type | Description |
| --- | --- | --- |
| `$reference` | `string` | |

<dl><dt>Returns</dt>
<dd><code>string</code></dd>
</dl>

### `fromCharactersOf()`#

```
public static function fromCharactersOf(string $value): ?string
```

static

The Creditor Reference of the letters and digits of $value, e.g. of an invoice number; null without any or with more than 21.

| Parameter | Type | Description |
| --- | --- | --- |
| `$value` | `string` | |

<dl><dt>Returns</dt>
<dd><code>?string</code></dd>
</dl>

### `isValid()`#

```
public static function isValid(string $reference): bool
```

static

Whether $reference (spaces allowed, any case) is a Creditor Reference with correct check digits.

| Parameter | Type | Description |
| --- | --- | --- |
| `$reference` | `string` | |

<dl><dt>Returns</dt>
<dd><code>bool</code></dd>
</dl>

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```