# BT-86 Payment service provider identifier

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

## Quick answer

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

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

## In plain language

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

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

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.

## What goes wrong often

Avoid values like:

## Examples in context

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

Optional according to EN 16931-1.

## Valid Examples

- COBADEFFXXX

## Related Fields

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

- [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

### Since Version:
Optional

## XML Implementation

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

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

## Why the standard cares about this field

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

### Legal Requirement
Optional according to EN 16931-1.

## Official sources and tools

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