[Spryng][API] It looks like the description of the «merchant_reference» transaction's parameter is incorrect

The documentation says:

A reference identifying the merchant performing the transaction


But it looks like a merchant_reference identifies not a merchant, but the current transaction, so it could be a Magento order ID (or an internal order ID of another shopping cart software).

I have got an answer from Spryng:

No, that would be ‘dynamic_descriptor’. The merchant reference would be something like 'Woocommerce at https://wc.com