Merchant Support Questions & Answers What is a payment reference? Payment reference – payment ID, generated in Gateway system and visible/accessible only in it. Last Updated: 1 year ago in Questions & Answers Did this article answer your question? Related Articles Brand guidelines for MasterCard and VISA What is the difference between initial and standing amount? How to change email address on the payment page? What is Open Banking? What is processing account? What is EMV 3DS?