# BT-84 — Payment account identifier

> https://billhorse.com/en/terms/bt-84/

Account the payment should go to — the IBAN for SEPA credit transfers, otherwise a national account number. Mandatory once a credit transfer (BG-17) is stated.

## Practical note

Billhorse runs a check-digit validation (ISO 13616, mod 97) on IBAN-like values — BH-IBAN-01 catches transposed digits. Spaces inside the IBAN are allowed and not an error.

## Where does it live in the XML?

- UBL: `cac:PaymentMeans/cac:PayeeFinancialAccount/cbc:ID`
- CII: `rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:PayeePartyCreditorFinancialAccount/ram:IBANID (oder ram:ProprietaryID)`

## Checked by these rules

- [BH-IBAN-01 — Invalid IBAN check digits](https://billhorse.com/en/rules/bh-iban-01/)