# BT-81 — Payment means type code

> https://billhorse.com/en/terms/bt-81/

How the invoice is to be paid, coded per UNTDID 4461 — common values are 58 (SEPA credit transfer), 30 (credit transfer) and 59 (SEPA direct debit). Mandatory once payment instructions (BG-16) are present.

## Practical note

XRechnung generally requires payment instructions (BG-16) — BR-DE-1 fires when PaymentMeans is missing entirely.

## Where does it live in the XML?

- UBL: `cac:PaymentMeans/cbc:PaymentMeansCode`
- CII: `rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:TypeCode`

## Checked by these rules

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