# BT-90 — Bank assigned creditor identifier

> https://billhorse.com/en/terms/bt-90/

The seller's SEPA creditor identifier (e.g. DE98ZZZ09999999999), required to collect SEPA direct debits.

## Practical note

The UBL mapping is unintuitive: the creditor id is a PartyIdentification with schemeID="SEPA" on the payee party, not under PaymentMeans.

## Where does it live in the XML?

- UBL: `cac:PayeeParty/cac:PartyIdentification/cbc:ID[@schemeID='SEPA']`
- CII: `rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:CreditorReferenceID`