Support,

I believe the "send as reference" is for a memo that goes on the payment recipient's bank statement, not on the sender's bank statement. What I think Samuel is thinking about is the Adagio client's bank statement and how to reconcile the EFTs that have been sent.
The answer is that they can multi-select the transactions in the reconciliation grid by the second segment of the EFT-123-001 code and that total should match to the total withdrawal on the bank statement.