# BR-CL-16 Payment means code must come from UNCL4461

The payment means type code (BT-81) must be coded using the UNCL4461 code list.

## Problem Description

> **ERROR**: EN 16931 code-list rule (BR-CL)

## Context and Significance

BT-81 tells the buyer how to pay and decides which payment details the invoice needs: for a credit transfer (30 or 58), the payment account identifier (BT-84) is required (BR-61). The rule fails when an ERP exports the payment method as text ("SEPA", "Bank transfer") or as an internal number. Map each payment method in the ERP to one UNCL4461 code. Example: payment by SEPA credit transfer to an IBAN uses BT-81 = 58.

## Solution

Set BT-81 to a valid UNCL4461 code, e.g. 30 (credit transfer), 58 (SEPA credit transfer), 59 (SEPA direct debit) or 48 (bank card). In UBL, the code is in cac:PaymentMeans/cbc:PaymentMeansCode; in CII, in ram:SpecifiedTradeSettlementPaymentMeans/ram:TypeCode.

- [Validate XML](/en/xrechnung-validator?source=resource&rule=BR-CL-16)
- [Convert invoice](/en/pdf-to-xrechnung?source=resource&rule=BR-CL-16)

## Valid Examples

- BT-81 = 58 — SEPA credit transfer
- BT-81 = 59 — SEPA direct debit

## Invalid Examples

- BT-81 = SEPA — free text instead of a code
- BT-81 = 999 — not a UNCL4461 code

## Code Examples

### Valid XML
```
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
</cac:PaymentMeans>
```

### Invalid XML
```
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>SEPA</cbc:PaymentMeansCode>
</cac:PaymentMeans>
```

## Affected Fields

- [BT-81 Payment means type code](/resources/xrechnung/bt-81-payment-means-type-code)

## Related Rules

- [BR-61](/resources/kosit-validator-errors/br-61-credit-transfer-account-required)

## Validation Tools

- [Official KoSIT Validator](https://github.com/itplr-kosit/validator): Run the official KoSIT validator with the XRechnung configuration to check EN 16931 and XRechnung rules.
- [Convert PDF to XRechnung](/pdf-to-xrechnung): Find validation errors during conversion and review each correction.

## Related Resources

- [Official Specification](https://docs.peppol.eu/poacc/billing/3.0/rules/ubl-tc434/)
- [Test Suite](https://github.com/itplr-kosit/xrechnung-testsuite)
- [All validation errors](/resources/kosit-validator-errors): Overview of the EN 16931, XRechnung and Peppol validation rules explained here.