{"slug":"payment-means-codes","listId":"UNCL 4461","listName":"Payment means type codes","description":"UNCL 4461 codes for the payment means (BT-81), with the payment details each code needs on an EN 16931 invoice.","scopeNote":"Codes that appear on European e-invoices; UNCL 4461 contains many more payment instruments.","officialSource":{"label":"UN/CEFACT code list UNCL 4461","url":"https://unece.org/trade/uncefact"},"dateModified":"2026-09-14","items":[{"code":"1","label":"Instrument not defined","notes":"Only when the payment instrument is genuinely unknown. Receivers cannot automate payment from it, so prefer a specific code."},{"code":"10","label":"In cash","notes":"Cash payment; no bank account details are needed."},{"code":"20","label":"Cheque","notes":"Payment by cheque; rare in B2B e-invoicing outside France."},{"code":"30","label":"Credit transfer","notes":"Credit transfer that is not specifically SEPA, for example an international transfer. The payment account (BT-84) is required (BR-61)."},{"code":"42","label":"Payment to bank account","notes":"Generic payment into a bank account. BR-61 checks the account only for 30 and 58, so state the IBAN in BT-84 yourself."},{"code":"48","label":"Bank card","notes":"Card payment. Never send the full card number: at most the first 6 and last 4 digits go in BT-87 (BR-51)."},{"code":"49","label":"Direct debit","notes":"Direct debit outside SEPA. Give the mandate reference (BT-89) and the debited account (BT-91) in the direct debit group BG-19."},{"code":"54","label":"Credit card","notes":"Credit card payment; the card number rule BR-51 applies as for code 48."},{"code":"55","label":"Debit card","notes":"Debit card payment; the card number rule BR-51 applies as for code 48."},{"code":"57","label":"Standing agreement","notes":"The parties agreed the payment means earlier and do not repeat it on the invoice. Only use it where that agreement exists."},{"code":"58","label":"SEPA credit transfer","notes":"The usual code for euro bank transfers. The IBAN in BT-84 is required (BR-61); the BIC (BT-86) is optional within SEPA."},{"code":"59","label":"SEPA direct debit","notes":"SEPA direct debit. Give the mandate reference (BT-89), the creditor identifier (BT-90) and the debited IBAN (BT-91)."},{"code":"68","label":"Online payment service","notes":"Payment through an online payment provider. Name the service and any payment link in the payment means text (BT-82)."},{"code":"69","label":"Transfer advice","notes":"Advice that a transfer was or will be made; rare on invoices. For ordinary bank transfers use 30 or 58."},{"code":"70","label":"Bill drawn by the creditor on the debtor","notes":"Bill of exchange that the seller draws on the buyer. Agree the details outside the invoice and describe them in BT-82."},{"code":"97","label":"Clearing between partners","notes":"The amount is offset against counterclaims instead of being paid, for example against a credit note. Explain the offset in BT-82."},{"code":"ZZZ","label":"Mutually defined","notes":"A payment means that no other code covers, agreed between the parties. Describe it in BT-82; receivers cannot process it automatically."}]}