Calculate domestic reference check digits.
Initialising algorithm engine for Finnish Payment Reference Calculator...
How Finnish Payment Reference Calculator Works?
The Finnish Payment Reference Calculator works by multiplying the reference digits by the repeating weights 7, 3, 1 starting from the right, summing the products, and appending the difference to the next multiple of 10.
- 1Enter the base reference (3–19 digits).
- 2Multiply the rightmost digit by 7, the next by 3, the next by 1, and repeat.
- 3Add the products.
- 4Subtract the sum from the next multiple of 10 (a result of 10 becomes 0).
- 5Append the check digit; print the reference in groups of 5 digits.
Finnish Payment Reference Calculator Formula
The Finnish reference formula is Check = (10 − (Σ dᵢ·wᵢ mod 10)) mod 10, with wᵢ = 7, 3, 1 from the right.
S = Σ dᵢ × wᵢ, wᵢ = 7, 3, 1, 7, 3, 1… from the right Check = (10 − (S mod 10)) mod 10 (FINNISH PAYMENT REFERENCE)
dᵢis the i-th digit from the right.
6×7 + 5×3 + 4×1 + 3×7 + 2×3 + 1×1 = 89 Check = 1 Reference = 1234561
Finnish Payment Reference Calculator Conversion Table
The Finnish reference conversion table lists base references with their check digit and RF equivalent.
| Base | Weighted sum | Check | Finnish reference | RF form |
|---|---|---|---|---|
| 123456 | 89 | 1 | 1234561 | RF341234561 |
| 1234 | 46 | 4 | 12344 | RF0812344 |
| 2026001 | 69 | 1 | 20260011 | RF5220260011 |
| 100 | 1 | 9 | 1009 | RF181009 |
| 987654321 | 147 | 3 | 9876543213 | RF689876543213 |
| 55555 | 105 | 5 | 555555 | RF02555555 |
What is Finnish Payment Reference Calculator?
A Finnish Payment Reference Calculator is a tool that computes the check digit of a Finnish domestic payment reference (viitenumero). Finnish references are 4–20 digits long including the check digit.
Finnish banks accept both the domestic format and the ISO 11649 RF format built from the same digits.
What are the uses of Finnish Payment Reference Calculator?
There are 3 main uses of the Finnish Payment Reference Calculator, including invoices, e-invoices, and reconciliation.
- Invoices: Finnish companies print references on paper invoices.
- E-invoices: Billers include references in Finvoice messages.
- Reconciliation: Accounting software matches payments by reference.