# BT-20 — Payment terms

> https://billhorse.com/en/terms/bt-20/

Payment terms as free text, e.g. payment target or cash-discount tiers. For machine processing the due date (BT-9) is the more reliable field.

## Where does it live in the XML?

- UBL: `cac:PaymentTerms/cbc:Note`
- CII: `rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradePaymentTerms/ram:Description`