In Czechia and Slovakia a payment is matched by its variable symbol (VS). Banks elsewhere in the SEPA area do not know the VS. They carry a structured creditor reference (ISO 11649, "RF reference") instead. iSpis derives it from the VS of the claim, so you do not have to manage a second number:

VS	RF reference
47028401	RF37 4702 8401
4821174401	RF37 4821 1744 01

In templates

Use the claim variable RFReference (next to VS) in letters, payment requests and invoices for payers outside Czechia and Slovakia, for example:

Please pay {p.ČástkaMěna} to IBAN … with the reference {p.RFReference}.

The payer enters the reference in the "creditor reference" / "structured reference" field of their bank. A payment carrying a valid RF reference, whether in the structured field or in the free-text message, is matched to the claim exactly like a payment with the VS. This works for bank statements from connected banks and for imported camt.053 statements.

QR code

QRCodeImgUrl gives a payment QR code in the format that banking apps in the payer's country read:

Payer's country	QR code
Czechia	QR Platba (SPD)
Slovakia	PAY by square
Germany, Austria, Netherlands, Belgium, Luxembourg, Finland, Estonia, Latvia, Lithuania (EUR only)	EPC QR code (GiroCode) with the RF reference
other countries	none: the template shows no image

The payer's country is the country of the debtor on the claim; if it is empty, the country of your account is used. In other countries, put the IBAN and RFReference in the text.

Fuente: src/lite/reference.docs.md