Payment Reference (End-to-End ID) Regex for Go

What this pattern does

This page provides a well-structured, multi-part regular expression for matching payment reference (end-to-end id), ported and verified for Go. Financial data validation has zero tolerance for false negatives — a missed invalid entry can corrupt downstream calculations. The snippet below is ready to drop into your Go project — whether you're validating in a Gin handler, a gRPC service, or a command-line tool.

Go Implementation

// Payment Reference (End-to-End ID)
// ReDoS-safe | RegexVault — Finance > Financial Formats

package validation

import "regexp"

var paymentReferenceEndtoendIdRe = regexp.MustCompile(`^[A-Za-z0-9\-/\?:\(\)\.,'\+ ]{1,35}$`)

func ValidatePaymentReferenceEndtoendId(s string) bool {
    return paymentReferenceEndtoendIdRe.MatchString(s)
}

// Example
// fmt.Println(ValidatePaymentReferenceEndtoendId("NOTPROVIDED")) // true

Test Cases

When to use this pattern

This pattern is drawn from the Finance > Financial Formats category and carries a ReDoS-safe certification. That matters for Go developers because Go's RE2 engine is inherently safe from catastrophic backtracking, but this pattern has been additionally verified for correctness. RegexVault audits patterns against known backtracking attack vectors, ensuring you have the necessary context before using this regex in a high-stakes production environment.

Common Pitfalls

Technical Notes

ISO 20022 allows the SEPA character set in payment references: A-Z, a-z, 0-9, and / - ? : ( ) . , ' + space. The # symbol is excluded. Use NOTPROVIDED if no reference is available (SEPA convention).