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

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 JavaScript. 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 JavaScript project — whether you're validating in an Express middleware, a Next.js API route, or a client-side form.

Javascript Implementation

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

const paymentReferenceEndtoendIdRegex = /^[A-Za-z0-9\-\/\?:\(\)\.,'\+ ]{1,35}$/;

function validatePaymentReferenceEndtoendId(input: string): boolean {
  return paymentReferenceEndtoendIdRegex.test(input);
}

// Example
console.log(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 JavaScript developers because especially critical in long-running Node.js event loops where a ReDoS vulnerability can block the entire process. 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).