What is payment ref?
Excuse me, could you elaborate on what you mean by "payment ref"? I'm assuming you're referring to a term commonly used in the realm of finance and transactions, but it's not a universally recognized acronym. Could it stand for "payment reference"? If so, a payment reference, or payment ref, is typically a unique identifier assigned to a financial transaction, allowing for easy tracking and reconciliation of funds. It might be a series of numbers, letters, or a combination of both, unique to each transaction. Could you clarify if this is the context you were referring to, or if you had something else in mind?