diff --git a/dist/api/transfers/bulk/requests.js b/dist/api/transfers/bulk/requests.js
index 30ae96e..74aaae4 100644
--- a/dist/api/transfers/bulk/requests.js
+++ b/dist/api/transfers/bulk/requests.js
@@ -8,19 +8,19 @@ data='{
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
@@ -37,19 +37,19 @@ const params = JSON.stringify({
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
@@ -92,19 +92,19 @@ const php = `<?php
     'source' => "balance",
     'transfers' => [[
       "amount" => 20000,
-      "reference" => "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference" => "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason" => "Bonus for the week",
       "recipient" => "RCP_gd9vgag7n5lr5ix"
     ],
     [
       "amount" => 35000,
-      "reference" => "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference" => "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason" => "Bonus for the week",
       "recipient" => "RCP_zpk2tgagu6lgb4g"
     ],
     [
       "amount" => 15000,
-      "reference" => "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference" => "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason" => "Bonus for the week",
       "recipient" => "RCP_dfznnod8rwxlwgn"
     ]]
diff --git a/dist/api/transfers/bulk/response.json b/dist/api/transfers/bulk/response.json
index 057df11..cac82e7 100644
--- a/dist/api/transfers/bulk/response.json
+++ b/dist/api/transfers/bulk/response.json
@@ -6,7 +6,7 @@
       "message": "3 transfers queued.",
       "data": [
         {
-          "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+          "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
           "recipient": "RCP_gd9vgag7n5lr5ix",
           "amount": 20000,
           "transfer_code": "TRF_o0mv5dc2lv4t2wdb",
@@ -14,7 +14,7 @@
           "status": "success"
         },
         {
-          "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+          "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
           "recipient": "RCP_zpk2tgagu6lgb4g",
           "amount": 35000,
           "transfer_code": "TRF_tlvxomz43gjso2py",
@@ -22,7 +22,7 @@
           "status": "success"
         },
         {
-          "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+          "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
           "recipient": "RCP_dfznnod8rwxlwgn",
           "amount": 15000,
           "transfer_code": "TRF_yt2y2gcd3dmli8av",
@@ -36,7 +36,7 @@
 		"description": "404 Not Found",
 		"data": {
       "status": false,
-      "message": "Duplicate reference(s) found: ACV_11bebfc3-18b3-40aa-a4df-c55068c93457,ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50,ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "message": "Duplicate reference(s) found: acv_11bebfc3-18b3-40aa-a4df-c55068c93457,acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50,acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "meta": {
         "nextStep": "Try again later"
       },
diff --git a/dist/api/transfers/initiate/requests.js b/dist/api/transfers/initiate/requests.js
index 68a611d..131d22c 100644
--- a/dist/api/transfers/initiate/requests.js
+++ b/dist/api/transfers/initiate/requests.js
@@ -6,7 +6,7 @@ data='{
   "source": "balance",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
   "reason": "Bonus for the week"
 }'
 
@@ -19,7 +19,7 @@ const params = JSON.stringify({
   "reason": "Bonus for the week",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 })
 
 const options = {
@@ -58,7 +58,7 @@ $fields = [
   "reason" => "Bonus for the week",
   "amount" => 100000,
   "recipient" => "RCP_gd9vgag7n5lr5ix",
-  "reference" => "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference" => "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 ];
 
 $fields_string = http_build_query($fields);
diff --git a/dist/api/transfers/initiate/response.json b/dist/api/transfers/initiate/response.json
index ea73ba8..78ca895 100644
--- a/dist/api/transfers/initiate/response.json
+++ b/dist/api/transfers/initiate/response.json
@@ -10,7 +10,7 @@
         "domain": "test",
         "amount": 100000,
         "currency": "NGN",
-        "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+        "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
         "source": "balance",
         "source_details": null,
         "reason": "Bonus for the week",
diff --git a/dist/doc/payments/webhooks/events.js b/dist/doc/payments/webhooks/events.js
index 1cf3ed3..bdd0497 100644
--- a/dist/doc/payments/webhooks/events.js
+++ b/dist/doc/payments/webhooks/events.js
@@ -991,7 +991,7 @@ const transfer_successful = `{
       "logo_path": "https://public-files-paystack-prod.s3.eu-west-1.amazonaws.com/integration-logos/hpyxo8n1c7du6gxup7h6.png"
     },
     "reason": "Bonus for the week",
-    "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+    "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
     "source": "balance",
     "source_details": null,
     "status": "success",
diff --git a/dist/doc/transfers/bulk/batches.js b/dist/doc/transfers/bulk/batches.js
index 2a7be00..3904ccb 100644
--- a/dist/doc/transfers/bulk/batches.js
+++ b/dist/doc/transfers/bulk/batches.js
@@ -2,19 +2,19 @@ const json = `{
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
diff --git a/dist/doc/transfers/bulk/initiate-transfer.js b/dist/doc/transfers/bulk/initiate-transfer.js
index 0d41470..53f4cff 100644
--- a/dist/doc/transfers/bulk/initiate-transfer.js
+++ b/dist/doc/transfers/bulk/initiate-transfer.js
@@ -8,19 +8,19 @@ data='{
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
@@ -37,19 +37,19 @@ const params = JSON.stringify({
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
@@ -93,19 +93,19 @@ const php = `<?php
     'transfers' => [
       [
         "amount" => 20000,
-        "reference" => "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+        "reference" => "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
         "reason" => "Bonus for the week",
         "recipient" => "RCP_gd9vgag7n5lr5ix"
       ],
       [
         "amount" => 35000,
-        "reference" => "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+        "reference" => "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
         "reason" => "Bonus for the week",
         "recipient" => "RCP_zpk2tgagu6lgb4g"
       ],
       [
         "amount" => 15000,
-        "reference" => "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+        "reference" => "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
         "reason" => "Bonus for the week",
         "recipient" => "RCP_dfznnod8rwxlwgn"
       ]
@@ -139,7 +139,7 @@ const json = `{
   "message": "3 transfers queued.",
   "data": [
     {
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "recipient": "RCP_gd9vgag7n5lr5ix",
       "amount": 20000,
       "transfer_code": "TRF_o0mv5dc2lv4t2wdb",
@@ -147,7 +147,7 @@ const json = `{
       "status": "success"
     },
     {
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "recipient": "RCP_zpk2tgagu6lgb4g",
       "amount": 35000,
       "transfer_code": "TRF_tlvxomz43gjso2py",
@@ -155,7 +155,7 @@ const json = `{
       "status": "success"
     },
     {
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "recipient": "RCP_dfznnod8rwxlwgn",
       "amount": 15000,
       "transfer_code": "TRF_yt2y2gcd3dmli8av",
diff --git a/dist/doc/transfers/single/generate-reference.js b/dist/doc/transfers/single/generate-reference.js
index 0fa0b30..87e187b 100644
--- a/dist/doc/transfers/single/generate-reference.js
+++ b/dist/doc/transfers/single/generate-reference.js
@@ -3,7 +3,7 @@ const json = `{
   "reason": "Bonus for the week",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 }`
 
 export {json}
\ No newline at end of file
diff --git a/dist/doc/transfers/single/initiate-transfer.js b/dist/doc/transfers/single/initiate-transfer.js
index b22c5bc..240f03d 100644
--- a/dist/doc/transfers/single/initiate-transfer.js
+++ b/dist/doc/transfers/single/initiate-transfer.js
@@ -4,7 +4,7 @@ const sh = `curl https://api.paystack.co/transfer
 -d '{ 
   "source": "balance",
   "amount": 100000,
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
   "recipient": "RCP_gd9vgag7n5lr5ix",
   "reason": "Bonus for the week"
 }'
@@ -18,7 +18,7 @@ const params = JSON.stringify({
   "reason": "Bonus for the week",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 })
 
 const options = {
@@ -57,7 +57,7 @@ $fields = [
   "reason" => "Bonus for the week",
   "amount" => 100000,
   "recipient" => "RCP_gd9vgag7n5lr5ix",
-  "reference" => "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference" => "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 ];
 
 $fields_string = http_build_query($fields);
@@ -92,7 +92,7 @@ const json = `{
     "domain": "test",
     "amount": 100000,
     "currency": "NGN",
-    "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+    "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
     "source": "balance",
     "source_details": null,
     "reason": "Bonus for the week",
diff --git a/src/api/transfers/bulk/index.js b/src/api/transfers/bulk/index.js
index 2c701b3..9451092 100644
--- a/src/api/transfers/bulk/index.js
+++ b/src/api/transfers/bulk/index.js
@@ -6,19 +6,19 @@ const params = JSON.stringify({
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
diff --git a/src/api/transfers/bulk/index.php b/src/api/transfers/bulk/index.php
index 42b7827..356dff3 100644
--- a/src/api/transfers/bulk/index.php
+++ b/src/api/transfers/bulk/index.php
@@ -6,19 +6,19 @@
     'source' => "balance",
     'transfers' => [[
       "amount" => 20000,
-      "reference" => "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference" => "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason" => "Bonus for the week",
       "recipient" => "RCP_gd9vgag7n5lr5ix"
     ],
     [
       "amount" => 35000,
-      "reference" => "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference" => "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason" => "Bonus for the week",
       "recipient" => "RCP_zpk2tgagu6lgb4g"
     ],
     [
       "amount" => 15000,
-      "reference" => "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference" => "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason" => "Bonus for the week",
       "recipient" => "RCP_dfznnod8rwxlwgn"
     ]]
diff --git a/src/api/transfers/bulk/index.sh b/src/api/transfers/bulk/index.sh
index fcafecf..530178d 100644
--- a/src/api/transfers/bulk/index.sh
+++ b/src/api/transfers/bulk/index.sh
@@ -8,19 +8,19 @@ data='{
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
diff --git a/src/api/transfers/bulk/response.json b/src/api/transfers/bulk/response.json
index 057df11..cac82e7 100644
--- a/src/api/transfers/bulk/response.json
+++ b/src/api/transfers/bulk/response.json
@@ -6,7 +6,7 @@
       "message": "3 transfers queued.",
       "data": [
         {
-          "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+          "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
           "recipient": "RCP_gd9vgag7n5lr5ix",
           "amount": 20000,
           "transfer_code": "TRF_o0mv5dc2lv4t2wdb",
@@ -14,7 +14,7 @@
           "status": "success"
         },
         {
-          "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+          "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
           "recipient": "RCP_zpk2tgagu6lgb4g",
           "amount": 35000,
           "transfer_code": "TRF_tlvxomz43gjso2py",
@@ -22,7 +22,7 @@
           "status": "success"
         },
         {
-          "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+          "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
           "recipient": "RCP_dfznnod8rwxlwgn",
           "amount": 15000,
           "transfer_code": "TRF_yt2y2gcd3dmli8av",
@@ -36,7 +36,7 @@
 		"description": "404 Not Found",
 		"data": {
       "status": false,
-      "message": "Duplicate reference(s) found: ACV_11bebfc3-18b3-40aa-a4df-c55068c93457,ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50,ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "message": "Duplicate reference(s) found: acv_11bebfc3-18b3-40aa-a4df-c55068c93457,acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50,acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "meta": {
         "nextStep": "Try again later"
       },
diff --git a/src/api/transfers/initiate/index.js b/src/api/transfers/initiate/index.js
index cb25778..58199ab 100644
--- a/src/api/transfers/initiate/index.js
+++ b/src/api/transfers/initiate/index.js
@@ -5,7 +5,7 @@ const params = JSON.stringify({
   "reason": "Bonus for the week",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 })
 
 const options = {
diff --git a/src/api/transfers/initiate/index.php b/src/api/transfers/initiate/index.php
index 9af95d8..8b2bd91 100644
--- a/src/api/transfers/initiate/index.php
+++ b/src/api/transfers/initiate/index.php
@@ -6,7 +6,7 @@
   "reason" => "Bonus for the week",
   "amount" => 100000,
   "recipient" => "RCP_gd9vgag7n5lr5ix",
-  "reference" => "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference" => "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 ];
 
 $fields_string = http_build_query($fields);
diff --git a/src/api/transfers/initiate/index.sh b/src/api/transfers/initiate/index.sh
index aa540cc..0eb654e 100644
--- a/src/api/transfers/initiate/index.sh
+++ b/src/api/transfers/initiate/index.sh
@@ -6,7 +6,7 @@ data='{
   "source": "balance",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
   "reason": "Bonus for the week"
 }'
 
diff --git a/src/api/transfers/initiate/response.json b/src/api/transfers/initiate/response.json
index ea73ba8..78ca895 100644
--- a/src/api/transfers/initiate/response.json
+++ b/src/api/transfers/initiate/response.json
@@ -10,7 +10,7 @@
         "domain": "test",
         "amount": 100000,
         "currency": "NGN",
-        "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+        "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
         "source": "balance",
         "source_details": null,
         "reason": "Bonus for the week",
diff --git a/src/doc/payments/webhooks/events/transfer-successful.json b/src/doc/payments/webhooks/events/transfer-successful.json
index b9dda7e..76ac8fd 100644
--- a/src/doc/payments/webhooks/events/transfer-successful.json
+++ b/src/doc/payments/webhooks/events/transfer-successful.json
@@ -14,7 +14,7 @@
       "logo_path": "https://public-files-paystack-prod.s3.eu-west-1.amazonaws.com/integration-logos/hpyxo8n1c7du6gxup7h6.png"
     },
     "reason": "Bonus for the week",
-    "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+    "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
     "source": "balance",
     "source_details": null,
     "status": "success",
diff --git a/src/doc/transfers/bulk/batches/index.json b/src/doc/transfers/bulk/batches/index.json
index e0c270a..6df4a2c 100644
--- a/src/doc/transfers/bulk/batches/index.json
+++ b/src/doc/transfers/bulk/batches/index.json
@@ -2,19 +2,19 @@
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
diff --git a/src/doc/transfers/bulk/initiate-transfer/index.js b/src/doc/transfers/bulk/initiate-transfer/index.js
index 2c701b3..9451092 100644
--- a/src/doc/transfers/bulk/initiate-transfer/index.js
+++ b/src/doc/transfers/bulk/initiate-transfer/index.js
@@ -6,19 +6,19 @@ const params = JSON.stringify({
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
diff --git a/src/doc/transfers/bulk/initiate-transfer/index.json b/src/doc/transfers/bulk/initiate-transfer/index.json
index 3d042d6..b0018ee 100644
--- a/src/doc/transfers/bulk/initiate-transfer/index.json
+++ b/src/doc/transfers/bulk/initiate-transfer/index.json
@@ -3,7 +3,7 @@
   "message": "3 transfers queued.",
   "data": [
     {
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "recipient": "RCP_gd9vgag7n5lr5ix",
       "amount": 20000,
       "transfer_code": "TRF_o0mv5dc2lv4t2wdb",
@@ -11,7 +11,7 @@
       "status": "success"
     },
     {
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "recipient": "RCP_zpk2tgagu6lgb4g",
       "amount": 35000,
       "transfer_code": "TRF_tlvxomz43gjso2py",
@@ -19,7 +19,7 @@
       "status": "success"
     },
     {
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "recipient": "RCP_dfznnod8rwxlwgn",
       "amount": 15000,
       "transfer_code": "TRF_yt2y2gcd3dmli8av",
diff --git a/src/doc/transfers/bulk/initiate-transfer/index.php b/src/doc/transfers/bulk/initiate-transfer/index.php
index 9e300c9..5c08748 100644
--- a/src/doc/transfers/bulk/initiate-transfer/index.php
+++ b/src/doc/transfers/bulk/initiate-transfer/index.php
@@ -7,19 +7,19 @@
     'transfers' => [
       [
         "amount" => 20000,
-        "reference" => "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+        "reference" => "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
         "reason" => "Bonus for the week",
         "recipient" => "RCP_gd9vgag7n5lr5ix"
       ],
       [
         "amount" => 35000,
-        "reference" => "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+        "reference" => "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
         "reason" => "Bonus for the week",
         "recipient" => "RCP_zpk2tgagu6lgb4g"
       ],
       [
         "amount" => 15000,
-        "reference" => "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+        "reference" => "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
         "reason" => "Bonus for the week",
         "recipient" => "RCP_dfznnod8rwxlwgn"
       ]
diff --git a/src/doc/transfers/bulk/initiate-transfer/index.sh b/src/doc/transfers/bulk/initiate-transfer/index.sh
index fcafecf..530178d 100644
--- a/src/doc/transfers/bulk/initiate-transfer/index.sh
+++ b/src/doc/transfers/bulk/initiate-transfer/index.sh
@@ -8,19 +8,19 @@ data='{
   "transfers": [
     {
       "amount": 20000,
-      "reference": "ACV_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
+      "reference": "acv_2627bbfe-1a2a-4a1a-8d0e-9d2ee6c31496",
       "reason": "Bonus for the week",
       "recipient": "RCP_gd9vgag7n5lr5ix"
     },
     {
       "amount": 35000,
-      "reference": "ACV_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
+      "reference": "acv_1bd0c1f8-78c2-463b-8bd4-ed9eeb36be50",
       "reason": "Bonus for the week",
       "recipient": "RCP_zpk2tgagu6lgb4g"
     },
     {
       "amount": 15000,
-      "reference": "ACV_11bebfc3-18b3-40aa-a4df-c55068c93457",
+      "reference": "acv_11bebfc3-18b3-40aa-a4df-c55068c93457",
       "reason": "Bonus for the week",
       "recipient": "RCP_dfznnod8rwxlwgn"
     }
diff --git a/src/doc/transfers/single/generate-reference/index.json b/src/doc/transfers/single/generate-reference/index.json
index 56a0d61..e855d49 100644
--- a/src/doc/transfers/single/generate-reference/index.json
+++ b/src/doc/transfers/single/generate-reference/index.json
@@ -3,5 +3,5 @@
   "reason": "Bonus for the week",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 }
\ No newline at end of file
diff --git a/src/doc/transfers/single/initiate-transfer/index.js b/src/doc/transfers/single/initiate-transfer/index.js
index cb25778..58199ab 100644
--- a/src/doc/transfers/single/initiate-transfer/index.js
+++ b/src/doc/transfers/single/initiate-transfer/index.js
@@ -5,7 +5,7 @@ const params = JSON.stringify({
   "reason": "Bonus for the week",
   "amount": 100000,
   "recipient": "RCP_gd9vgag7n5lr5ix",
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 })
 
 const options = {
diff --git a/src/doc/transfers/single/initiate-transfer/index.json b/src/doc/transfers/single/initiate-transfer/index.json
index 8ea43a5..3ee8e18 100644
--- a/src/doc/transfers/single/initiate-transfer/index.json
+++ b/src/doc/transfers/single/initiate-transfer/index.json
@@ -7,7 +7,7 @@
     "domain": "test",
     "amount": 100000,
     "currency": "NGN",
-    "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+    "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
     "source": "balance",
     "source_details": null,
     "reason": "Bonus for the week",
diff --git a/src/doc/transfers/single/initiate-transfer/index.php b/src/doc/transfers/single/initiate-transfer/index.php
index 69a78f9..59d86e2 100644
--- a/src/doc/transfers/single/initiate-transfer/index.php
+++ b/src/doc/transfers/single/initiate-transfer/index.php
@@ -6,7 +6,7 @@
   "reason" => "Bonus for the week",
   "amount" => 100000,
   "recipient" => "RCP_gd9vgag7n5lr5ix",
-  "reference" => "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68"
+  "reference" => "acv_9ee55786-2323-4760-98e2-6380c9cb3f68"
 ];
 
 $fields_string = http_build_query($fields);
diff --git a/src/doc/transfers/single/initiate-transfer/index.sh b/src/doc/transfers/single/initiate-transfer/index.sh
index 833f461..388f5c3 100644
--- a/src/doc/transfers/single/initiate-transfer/index.sh
+++ b/src/doc/transfers/single/initiate-transfer/index.sh
@@ -4,7 +4,7 @@ curl https://api.paystack.co/transfer
 -d '{ 
   "source": "balance",
   "amount": 100000,
-  "reference": "ACV_9ee55786-2323-4760-98e2-6380c9cb3f68",
+  "reference": "acv_9ee55786-2323-4760-98e2-6380c9cb3f68",
   "recipient": "RCP_gd9vgag7n5lr5ix",
   "reason": "Bonus for the week"
 }'