# BT-86 Payment service provider identifier

Identifier of the bank or payment service provider, for example BIC.

## Quick answer

> **Delivery and payment**: Delivery dates, payment means, and the operational context around settlement.

- [Validate XML](/en/xrechnung-validator?source=resource&bt=BT-86)
- [Convert invoice](/en/pdf-to-xrechnung?source=resource&bt=BT-86)

## In plain language

This field is mainly useful for international payments or account formats where the account ID alone is not enough.

## What you usually enter here

BIC or comparable PSP identifier

Typical valid values include: COBADEFFXXX

Optional according to EN 16931-1.

## Where the field sits

BT-86 belongs to the Payment part of the invoice. UBL 2.1 Syntax: Invoice › cac:PaymentMeans › cac:PayeeFinancialAccount › cac:FinancialInstitutionBranch › cbc:ID. CII (UN/CEFACT) Syntax: rsm:CrossIndustryInvoice › rsm:SupplyChainTradeTransaction › ram:ApplicableHeaderTradeSettlement › ram:SpecifiedTradeSettlementPaymentMeans › ram:PayeeSpecifiedCreditorFinancialInstitution › ram:BICID.

## Valid Examples

- COBADEFFXXX

## Related Fields

- [BT-84 Payment account identifier](/resources/xrechnung/bt-84-payment-account-identifier)
- [BT-85 Payment account name](/resources/xrechnung/bt-85-payment-account-name)

## XML mapping and field facts

Open the technical reference if you need XML paths, validator rule codes, legal wording, or schema-specific mapping details.

### Field ID:
BT-86

### Data Type:
identifier

### Cardinality:
0..1

### Requirement:
Optional

### Max Length:
35 characters

## XML Implementation

### UBL 2.1 Syntax
```
/Invoice/cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID
```

### CII (UN/CEFACT) Syntax
```
/rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:PayeeSpecifiedCreditorFinancialInstitution/ram:BICID
```

## Create an XRechnung from your PDF

The converter reads the invoice and shows the fields it found before download, so you can check and correct the values. No PDF? Fill in the XRechnung directly in the form.

- [Convert invoice](/en/pdf-to-xrechnung)
- [Fill in XRechnung in the form](/en/create-xrechnung)

Trying it and buying a single conversion work without an account. Subscriptions from €10/month with annual billing (excl. taxes), or €5 per conversion (excl. taxes) without a subscription.

## Official sources and tools

- [KoSIT Validator](https://erechnungsvalidator.service-bw.de/)
- [XRechnung Standard](https://xeinkauf.de/xrechnung/)
- [Test Suite](https://github.com/itplr-kosit/xrechnung-testsuite)