Payment tracking identifiers

When accepting fiat payments via Bridge, it’s essential to track and reconcile deposits using standardized identifiers. These identifiers vary by payment rail and are surfaced in both APIS & webhooks. This guide outlines the fields to expect, how to match them programmatically, and how to display them to users.

🚧 Make sure customers include deposit messages

For Transfers and Static Memos, it’s critical that customers include the source deposit message (e.g. memo, SEPA reference, or wire message) so Bridge can automatically match incoming funds to the intended transfer.

Virtual Accounts and Liquidation Addresses do not require deposit messages — the unique address itself is enough to match the payment.

Identifiers by Payment Rail

⛓️ Crypto

Field	Description
source_trx_hash destination_trx_hash	Unique hash of the on-chain transaction.
blockchain_memo	Optional field available for some blockchains (e.g. Tron, Stellar) to route payments correctly.

🇺🇸 ACH (USD)

Field	Description
trace_number	Unique identifier used to track ACH payments through the U.S. banking system.
ach_reference	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation.

🇺🇸 Wire (USD)

Field	Description
imad	Unique identifier used to track WIRE payments through the banking system.
wire_message	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation.

🇪🇺 SEPA (EUR)

Field	Description
uetr	Unique identifier used to track SEPA payment through the banking system. UUID format included in ISO 20022-compliant wires. Supported by most modern banks.
sepa_reference	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation. Strongly recommended to use a UUID for automated matching. ⚠️ When initiating SEPA payments with Bridge, always include a UUID in the reference field.

🇲🇽 SPEI (MXN)

Field	Description
tracking_number	Unique identifier or tracing SPEI payments through the Mexican payment system.
spei_reference	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation.

🇧🇷 PIX (BRL)

Field	Description
transaction_id	Unique E2E (end-to-end) identifier used to track PIX payment through the banking system.
reference	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation.

🇬🇧 FASTER PAYMENTS (GBP)

Field	Description
transaction_id	Unique identifier used to track FPS payments through the banking system.
reference	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation.

🇪🇨 Bre-B & Bank Transfers (COP)

Field	Description
transaction_id	Unique identifier used to track COP Bre-B and Bank Transfer payments through the banking system.
reference	Optional free form field that may appear on the customer’s bank statement. Useful for reconciliation.