Six-digit clearing ID for the mandate

Mandate reference. Must be unique per organization and use the standard BACS reference character set.

The standard BACS reference character set is the restricted set of characters BACS permits in the text fields of a Standard 18 record — the format used for Direct Debit/Direct Credit instructions. It maps to the reference field on the mandate schemas.

BACS Standard 18 (STD18) is a fixed-width, 80-to-106-character line-based file format used to submit Direct Credit and Direct Debit payment instructions in the UK. Files strictly follow a defined sequence starting with volume and header labels, proceeding to transaction records, and ending with trailer and total lines.

Permitted characters:

• Uppercase letters A-Z (lowercase is not allowed — it gets force-uppercased)
• Digits 0-9
• Space
• These four specials only: - (hyphen), . (full stop), & (ampersand), / (solidus)

Reference-field rules on top of the character set:

• 6–18 characters
• Must not begin with a space
• Must not be all the same character (e.g. all zeros)
• First 4 chars must not be DDIC (reserved for bank/indemnity-claim use)
• Should be unique per Direct Debit

Processing date. Format = yyyy-mm-dd

Account token - token encoded with a Pismo account ID. Tokens can expire quickly, which can result in a 401 Unauthorized message

A UUID (without hyphens) to ensure the operation remains idempotent, allowing for operation repetition without causing unintended effects or duplication. Identifies the transaction on future events.