# BG-16 — Payment instructions

> https://billhorse.com/en/terms/bg-16/

Describes how payment should be made: payment means (e.g. SEPA credit transfer, card, direct debit) plus the related account or mandate data in the subgroups. Mandatory under XRechnung.

## Where does it live in the XML?

- UBL: `cac:PaymentMeans`
- CII: `ram:SpecifiedTradeSettlementPaymentMeans`

## Contained fields

- [BT-81 — Payment means type code](https://billhorse.com/en/terms/bt-81/)
- [BT-82 — Payment means text](https://billhorse.com/en/terms/bt-82/)
- [BT-83 — Remittance information](https://billhorse.com/en/terms/bt-83/)
- [BG-17 — Credit transfer](https://billhorse.com/en/terms/bg-17/)
- [BG-18 — Payment card information](https://billhorse.com/en/terms/bg-18/)
- [BG-19 — Direct debit](https://billhorse.com/en/terms/bg-19/)

## Checked by these rules

- [BR-DE-1 — Payment instructions missing (XRechnung)](https://billhorse.com/en/rules/br-de-1/)