# BR-DE-30 Direct debit requires the creditor identifier

When direct debit payment instructions (BG-19) are present, BT-90 bank assigned creditor identifier must also be provided.

## Problem Description

When direct debit payment instructions (BG-19) are present, BT-90 bank assigned creditor identifier must also be provided.

> **ERROR**: XRechnung 3.0

## Context and Significance

Direct debit data must be complete because the buyer authorizes collection against a specific creditor and mandate context.

## Solution

Add the SEPA creditor identifier in BT-90, or switch payment means away from direct debit if the invoice is not collected by debit.

- validate
- convert

## Valid Examples

- Payment means direct debit with BT-90 = DE98ZZZ09999999999

## Invalid Examples

- Direct debit selected but BT-90 missing

## Code Examples

### Valid XML
```
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>59</cbc:PaymentMeansCode>
</cac:PaymentMeans>
<!-- BT-90 creditor identifier on the seller party -->
<cac:PartyIdentification>
  <cbc:ID schemeID="SEPA">DE98ZZZ09999999999</cbc:ID>
</cac:PartyIdentification>
```

### Invalid XML
```
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>59</cbc:PaymentMeansCode>
</cac:PaymentMeans>
<!-- No BT-90 bank assigned creditor identifier provided -->
```

## Affected Fields

- [BG-19 Direct debit](/resources/xrechnung)
- [BT-90 Bank assigned creditor identifier](/resources/xrechnung/bt-90-bank-assigned-creditor-identifier)

## Related Rules

- [BR-DE-31](/resources/kosit-validator-errors/br-de-31-direct-debit-requires-debited-account)
- [BR-61](/resources/kosit-validator-errors/br-61-credit-transfer-account-required)

## Validation Tools

- [Official KoSIT Validator](https://erechnungsvalidator.service-bw.de/): Validate your XRechnung files against all BR-DE rules.
- [Convert PDF to XRechnung](/pdf-to-xrechnung): Automatic validation error fixes when converting.

## Related Resources

- [Official Specification](https://xeinkauf.de/xrechnung/)
- [Test Suite](https://github.com/itplr-kosit/xrechnung-testsuite)
- [Complete Error List](/resources/kosit-validator-errors): Overview of all German XRechnung validation rules.