Payment Reference

In the Reference-based Payment Networks, Payments are linked to Requests via a paymentReference which is derived from the requestId and payment recipient address.

This paymentReference consists of the last 8 bytes of a salted hash of the requestId and payment recipient address, concatenated :

last8Bytes(hash(lowercase(requestId + salt + address)))

• requestId is the id of the request

• salt is a random number with at least 8 bytes of randomness. It must be unique to each request

• address is the payment address for payments, the refund address for refunds

• lowercase() transforms all characters to lowercase

• hash() is a keccak256 hash function

• last8Bytes() take the last 8 bytes

Use the PaymentReferenceCalculator to calculate the payment reference.