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

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 Java. 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 Java project — whether you're validating in a Spring Boot controller, a Jakarta EE service, or a standalone utility class.

Java Implementation

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

import java.util.regex.Pattern;

public class PaymentReferenceEndtoendIdValidator {
    private static final Pattern PATTERN =
        Pattern.compile("^[A-Za-z0-9\\-/\\?:\\(\\)\\.,\'\\+ ]{1,35}$");

    public static boolean validate(String input) {
        return PATTERN.matcher(input).matches();
    }

    // Example
    public static void main(String[] args) {
        System.out.println(validate("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 Java developers because critical in Java applications since the JVM regex engine uses backtracking and is susceptible to ReDoS without careful pattern design. 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).