# BT-86 — Payment service provider identifier

> https://billhorse.com/en/terms/bt-86/

Identifier of the account-servicing bank, in practice the BIC. Usually optional for SEPA payments within the EEA.

## Where does it live in the XML?

- UBL: `cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID`
- CII: `rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:PayeeSpecifiedCreditorFinancialInstitution/ram:BICID`