Reference

BR-49 Payment instruction must specify a payment means type code

A Payment instruction (BG-16) shall specify the Payment means type code (BT-81).

This is an EN 16931 core rule. The payment means code (BT-81) tells the buyer how to pay, and other rules depend on it; for example, BR-61 requires an account for codes 30 and 58. The UBL schema already requires cbc:PaymentMeansCode, so BR-49 is mainly reported for CII invoices whose payment means group holds only an IBAN, typically when the payment method is not set in the customer record.

Solution

Add cac:PaymentMeans/cbc:PaymentMeansCode (CII: ram:SpecifiedTradeSettlementPaymentMeans/ram:TypeCode) from UNCL4461, for example 58 for SEPA credit transfer, 30 for credit transfer, 59 for SEPA direct debit or 48 for bank card.

Quick actions

Validate XML Convert invoice

Valid Examples

BT-81 = 58 (SEPA credit transfer)

Invalid Examples

CII ram:SpecifiedTradeSettlementPaymentMeans with only ram:PayeePartyCreditorFinancialAccount/ram:IBANID and no ram:TypeCode; in UBL a cac:PaymentMeans without cbc:PaymentMeansCode is already an XML schema error

Code Examples

Valid XML

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE89370400440532013000</ram:IBANID>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Invalid XML

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE89370400440532013000</ram:IBANID>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>