# Payment and IBAN problems

Bank transfer invoices normally need structured payment method and payment account data such as IBAN.

## What you may see

- Payment instructions are required
- IBAN is required for credit transfer
- Invalid IBAN format
- Invalid IBAN checksum
- Payment means type is missing
- Skonto or payment discount format is invalid

## What this means

When an invoice says it should be paid by bank transfer, the e-invoice usually needs structured payment instructions. That normally includes the payment method and the payment account identifier, such as an IBAN.

## What to check

- Payment method
- IBAN
- BIC, if present or required by the recipient
- Payment terms
- Early-payment discount wording