Merchant Support Questions & Answers What is a payment reference? Payment reference – payment ID, generated in Gateway system and visible/accessible only in it. Last Updated: 3 months ago in Questions & Answers Did this article answer your question? Related Articles Where can I find integration settings and test cards? Glossary of Terms When Will Customer receive a refund? Payments are failing because of 3D authentication or payments stuck in Abandoned status What is the pricing? Can you change 3DS account to non-3D?