# Reconcile Multi Card Payments (/docs/guides/multi-card/multi-card-reconcilation) 

# 📊 Reconcile a Multi Card Session [#-reconcile-a-multi-card-session]

When a customer splits a transaction across multiple cards, each payment has its own individual `referenceId` field.

Hands In helps you track and reconcile these payments via your systems using a custom `referenceId` field.

By Default, any `payment` made into a `multi card` payment session will have the following format:

```
{multiCardId}_{paymentIndex}
```

Where:

* `multiCardId` is the `id` of the multi card payment session
* `paymentIndex` indicates which transaction in the session the payment is associated with. For example, if a customer uses two cards, the payments will be labeled with paymentIndex values 1 and 2, corresponding to the first and second card transactions.

## 🧾 Using `referenceId` for Multi Card Payments [#-using-referenceid-for-multi-card-payments]

When creating a multi card session, you can pass a `referenceId` field in the request. As a result **each individual card payment** will have the `referenceId` you passed instead of the `multiCardId` referenced in the default format, making reconciliation possible with your systems.

### Example Create Request with `referenceId` [#example-create-request-with-referenceid]

<Tabs items="[&#x22;curl&#x22;, &#x22;Node.js (fetch)&#x22;, &#x22;Python (requests)&#x22;, &#x22;PowerShell&#x22;]">
  <Tab value="curl">
    ```bash
    curl --request POST \
      --url https://api.sandbox.handsin.com/v1/multi-card-payments \
      --header "Accept: application/json" \
      --header "Content-Type: application/json" \
      --header "x-api-key: <your-api-key>" \
      --data '{
        "idempotencyKey": "example_unique_idempotency_key",
        "referenceId": "YOUR_UNIQUE_MERCHANT_ORDER_REF",
        "amountMoney": {
          "amount": 1000,
          "currency": "GBP"
        },
        "customer": {
          "firstName": "Example",
          "lastName": "Customer",
          "email": "example@handsin.com",
          "phoneNumber": "+447232323",
          "language": "en"
        }
      }'
    ```
  </Tab>

  <Tab value="Node.js (fetch)">
    ```javascript
    const url = "https://api.sandbox.handsin.com/v1/multi-card-payments";

    const payload = {
      idempotencyKey: "example_unique_idempotency_key",
      referenceId: "YOUR_UNIQUE_MERCHANT_ORDER_REF",
      amountMoney: {
        amount: 1000,
        currency: "GBP",
      },
      customer: {
        firstName: "Example",
        lastName: "Customer",
        email: "example@handsin.com",
        phoneNumber: "+447232323",
        language: "en",
      },
    };

    try {
      const response = await fetch(url, {
        method: "POST",
        headers: {
          Accept: "application/json",
          "Content-Type": "application/json",
          "x-api-key": "<your-api-key>",
        },
        body: JSON.stringify(payload),
      });

      if (!response.ok) {
        throw new Error(`Response status: ${response.status}`);
      }

      const data = await response.json();
      console.log(data);
    } catch (error) {
      console.error("Request failed:", error.message);
    }
    ```
  </Tab>

  <Tab value="Python (requests)">
    ```python
    import requests

    url = "https://api.sandbox.handsin.com/v1/multi-card-payments"
    headers = {
        "Accept": "application/json",
        "Content-Type": "application/json",
        "x-api-key": "<your-api-key>"
    }
    payload = {
        "idempotencyKey": "example_unique_idempotency_key",
        "referenceId": "YOUR_UNIQUE_MERCHANT_ORDER_REF",
        "amountMoney": {
            "amount": 1000,
            "currency": "GBP"
        },
        "customer": {
            "firstName": "Example",
            "lastName": "Customer",
            "email": "example@handsin.com",
            "phoneNumber": "+447232323",
            "language": "en"
        }
    }

    try:
        response = requests.post(url, headers=headers, json=payload)
        response.raise_for_status()
        print(response.json())
    except requests.exceptions.RequestException as e:
        print(f"Request failed: {e}")
    ```
  </Tab>

  <Tab value="PowerShell">
    ```powershell
    $headers = @{
      "Accept" = "application/json"
      "Content-Type" = "application/json"
      "x-api-key" = "<your-api-key>"
    }

    $body = @{
      idempotencyKey = "example_unique_idempotency_key"
      referenceId = "YOUR_UNIQUE_MERCHANT_ORDER_REF"
      amountMoney = @{
        amount = 1000
        currency = "GBP"
      }
      customer = @{
        firstName = "Example"
        lastName = "Customer"
        email = "example@handsin.com"
        phoneNumber = "+447232323"
        language = "en"
      }
    } | ConvertTo-Json -Depth 3

    try {
      $response = Invoke-RestMethod -Uri "https://api.sandbox.handsin.com/v1/multi-card-payments" `
        -Method POST -Headers $headers -Body $body
      $response
    } catch {
      Write-Host "Request failed: $($_.Exception.Message)"
    }
    ```
  </Tab>
</Tabs>

Now any `payments` made into this multi card payment session, will have the following `referenceId` - `YOUR_UNIQUE_MERCHANT_ORDER_REF_{paymentIndex}`

where `YOUR_UNIQUE_MERCHANT_ORDER_REF` is the value you passed in to the create multi card request above and `paymentIndex` we append automatically

## 🔍 Look Up Payments Via Your Merchant Dashboard [#-look-up-payments-via-your-merchant-dashboard]

<img src="/docs-assets/57ce63c5030e3cb218f6badbcf06bcdcecb59ed957ab50d475e7acc0bb87de4c-referenceId-payment-lookup.PNG" />

Using the table column 'reference Id' - You can search and filter your payments by your system's referenceId directly from your [Hands In Payments Dashboard](https://merchant.handsin.com/dashboard/payments)

In the example above, 3 payments out of many payments were found, with the following referenceIds:

| Card # | Example Reference ID                  |
| ------ | ------------------------------------- |
| 1      | YOUR\_UNIQUE\_MERCHANT\_ORDER\_REF\_1 |
| 2      | YOUR\_UNIQUE\_MERCHANT\_ORDER\_REF\_2 |
| 3      | YOUR\_UNIQUE\_MERCHANT\_ORDER\_REF\_3 |

***

✅ That's it — you've learned how to use `referenceId` to help reconcile payments from a multi card session using your dashboard.

➡️ For real-time reconciliation and tracking of events, we recommend setting up [webhook notifications](/docs/guides/multi-card/multi-card-webhooks) to receive updates as they happen.\
Alternatively, API Integrations can poll the multi card payment session and fetch each payment for that session using the `paymentIds` field and in conjunction with the [retrieve payment endpoint](/docs/API/v1/getPayment)