# BG-19 — Direct debit

> https://billhorse.com/en/terms/bg-19/

Data for collection by direct debit: mandate reference, creditor identifier and the account to be debited. Only needed when the amount is collected via (SEPA) direct debit.

## Where does it live in the XML?

- UBL: `cac:PaymentMeans/cac:PaymentMandate`
- CII: `ram:SpecifiedTradePaymentTerms`

## Contained fields

- [BT-89 — Mandate reference identifier](https://billhorse.com/en/terms/bt-89/)
- [BT-90 — Bank assigned creditor identifier](https://billhorse.com/en/terms/bt-90/)
- [BT-91 — Debited account identifier](https://billhorse.com/en/terms/bt-91/)