# XV-FI-09

Source: https://xmlvalid.com/rules/XV-FI-09

> The payment reference '…' has no valid check digit: a Finnish reference number (SPY) ends in a 7-3-1 check digit, an international one (ISO, RF) has ISO 11649 check digits (Finvoice 3.0 guidelines, 13).

- Level: error
- Rule sets: Finvoice 3.0 calculation and payment rules Implementation guidelines 2.6 (16 September 2025)
- Context: `/Finvoice/EpiDetails/EpiPaymentInstructionDetails/EpiRemittanceInfoIdentifier[normalize-space(.) != '']`
- Test: `if (@IdentificationSchemeName = 'ISO' or starts-with($ref, 'RF')) then (matches($ref, '^RF[0-9]{2}[0-9A-Za-z]{1,21}$') and fi:iso7064($ref)) else fi:reference($ref)`

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