BT-81: Payment Means Type Code

Code indicating the method of payment from UNTDID 4461 (e.g. 58 for SEPA credit transfer).

BT-81•Mandatory (1..1)•EN 16931-1 / XRechnung 3.0 / ZUGFeRD 2.3

Technical Specification

Requirement & Cardinality

1..1(Mandatory)

Mandatory (1..1) coded from UNTDID 4461

Data Type

Code (UNTDID 4461)

Semantic data format according to European Standard EN 16931-1

XML Syntax Mappings

Exact field location in UBL and CII XML trees

UBL 2.1(XRechnung / Peppol BIS)

Invoice/cac:PaymentMeans/cbc:PaymentMeansCode

UN/CEFACT CII D16B(ZUGFeRD 2.3 / Factur-X)

rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:TypeCode

What does BT-81 mean?

The payment means code (BT-81) informs financial systems how funds will be settled according to UNTDID 4461. In Europe, 58 (SEPA credit transfer) and 59 (SEPA direct debit) are standard.

XML Syntax & Code Example

OASIS UBL 2.1 (XRechnung)

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE89370400440532013000</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

Codelist Values: UNTDID 4461 Payment Means Codes

Code	Meaning	Description & Usage
58	SEPA credit transfer	Standard bank transfer in the SEPA zone.
30	Credit transfer	General bank account credit transfer.
59	SEPA direct debit	Direct debit by seller with SEPA mandate.
48	Bank card	Payment by payment card.
10	In cash	Settlement with physical cash.
97	Clearing between partners	Offsetting mutual obligations.

Business Rules & Schematron Checks

BR-49

An invoice shall have a Payment means type code (BT-81).

BR-50

If payment means is credit transfer, a Payment account identifier (BT-84) shall be provided.

Check BT-81 in your invoice

Use the XML paths above to locate BT-81. A snippet illustrates this field; it is not a complete invoice. After correcting a value in the source application, export and check the entire file again.

Find rule violations in the validator Read invoice values in the viewer

Official specifications and rule sets

Requirements depend on the invoice profile and version. Consult the matching specification for mandatory fields, code lists and rules; Peppol-specific requirements do not automatically apply to every ZUGFeRD invoice.

BT-9

Payment Due Date

The date on which the payment is due.

BT-20

Payment Terms & Discounts

Textual description of payment terms, discount rates, and settlement periods.

BT-83

Remittance Information / Payment Reference

The payment reference / remittance information to state on the bank transfer.

BT-84

Payment Account Identifier (IBAN)

The International Bank Account Number (IBAN) of the payee.

BT-86

Payment Service Provider Identifier (BIC)

The Business Identifier Code (BIC) of the financial institution.

Create compliant E-Invoices easily

Create XRechnung and ZUGFeRD invoices in Billance and check the exported file locally. Use this guide to understand BT-81 and review your invoice details before sending.

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