MODEL is calling me out

Whenever I use online banking, I find myself stuck trying to figure out what to enter for the Payment Reference Model debit code.

I am fully aware that there are specific protocols governing these digits—that each number dictates certain validation rules and control functions
but I cannot seem to locate a definitive guide explaining what each individual model number actually signifies.

If anyone possesses a direct link or can explain these regulations, please post them here.

Dennis Scott77 said:Whenever I use online banking, I find myself stuck trying to figure out what to enter for the Payment Reference Model debit code.

I am fully aware that there are specific protocols governing these digits—that each number dictates certain validation rules and control functions
but I cannot seem to locate a definitive guide explaining what each individual model number actually signifies.

If anyone possesses a direct link or can explain these regulations, please post them here.

The payment reference (or what they're calling the payer ID now) is meant for the person making the payment—basically, the one filling out the transfer—so you don't really need fancy models.
Usually, just using code "00" (which means no automated verification) works fine, and then you just type in a string of numbers based on your own internal system. You can group them into up to three sets using dashes, but nothing else. No letters or special characters allowed.

Now, if you're paying a government entity (like taxes or fees), the recipient determines the reference number. In those cases, there's an entire manual for it (the so-called IMF mandate).
You can find the descriptions for the different models HERE

placidmaker6 said:The payment reference (or what they're calling the payer ID now) is meant for the person making the payment—basically, the one filling out the transfer—so you don't really need fancy models.
Usually, just using code "00" (which means no automated verification) works fine, and then you just type in a string of numbers based on your own internal system. You can group them into up to three sets using dashes, but nothing else. No letters or special characters allowed.

Now, if you're paying a government entity (like taxes or fees), the recipient determines the reference number. In those cases, there's an entire manual for it (the so-called IMF mandate).
You can find the descriptions for the different models HERE

I am well aware of that, but the reality is that whenever I attempt an online transfer, the system simply rejects every single model I try; the transaction fails every time.

The link you provided is fine for our own use, but I specifically need the formatting models for the billing reference (or payer ID), and since these models are officially recognized, they must have established rules and documentation somewhere; I just haven't been able to locate them. 🤷

Dennis Scott77 said:I am well aware of that, but the reality is that whenever I attempt an online transfer, the system simply rejects every single model I try; the transaction fails every time.

The link you provided is fine for our own use, but I specifically need the formatting models for the billing reference (or payer ID), and since these models are officially recognized, they must have established rules and documentation somewhere; I just haven't been able to locate them. 🤷

Model 00 and any other number should work fine. So, whose internet are we talking about?

placidmaker6 said:Model 00 and any other number should work fine. So, whose internet are we talking about?

Man, the 00 code used to drive me absolutely crazy when I was dealing with JPMorgan Chase... I usually just throw in 12 along with the main ID and call it a day...

I had a similar experience with JPMorgan Chase; the system wouldn't accept either 00 or 99, despite some documentation suggesting that entering 99 bypasses the validation process.
I eventually just settled on 12, though that was purely by accident after I spent some time haphazardly punching in various digits until something finally registered.😁

There really ought to be a comprehensive table somewhere to clarify these parameters.🙂

Dennis Scott77 said:I had a similar experience with JPMorgan Chase; the system wouldn't accept either 00 or 99, despite some documentation suggesting that entering 99 bypasses the validation process.
I eventually just settled on 12, though that was purely by accident after I spent some time haphazardly punching in various digits until something finally registered.😁

There really ought to be a comprehensive table somewhere to clarify these parameters.🙂

You can find the table in that link above: if the model field is empty, then not applicable applies and you can put whatever you want, but if the model is 99, just leave the not applicable field blank.

Dennis Scott77 said:I had a similar experience with JPMorgan Chase; the system wouldn't accept either 00 or 99, despite some documentation suggesting that entering 99 bypasses the validation process.
I eventually just settled on 12, though that was purely by accident after I spent some time haphazardly punching in various digits until something finally registered.😁

There really ought to be a comprehensive table somewhere to clarify these parameters.🙂

One section of the ID number (like everything before the dash) can only be up to 12 characters, unless you're using a specific 12-digit model, in which case you can go higher. That explains why a standard Social Security Number, which is longer, might be tripping things up.
Everything you need to know is laid out right here in this document: http://www.irs.gov/instructions/i1040

I was wondering if it’s going to be an issue if I accidentally used the wrong account number when making a payment. Basically, while I was sitting here paying my utility bill, I realized I didn't use the specific account number listed on this month's statement—instead, I just typed in the one from last month. Everything else on the payment slip, though—the amount and all that—was filled out perfectly fine.

It’s really not a big deal.
Some companies handling high volumes of transactions use phone numbers to link payments to specific charges. If someone mistypes a digit, that payment won't sync up with the actual bill. It’s one of those annoying glitches that you can usually sort out with just a single quick call to customer service. 😉

You can double-check the phone number on this site: