BR-49

A payment instruction (BG-16) must state the payment means code (BT-81) — how the invoice is meant to be paid.

Severity: Error
Applies to: CII, UBL
Rule set: v2026-01-31

Official rule text

A Payment instruction (BG-16) shall specify the Payment means type code (BT-81).

Why does BR-49 happen?

The group is created to hold the IBAN, and the IBAN seems to explain the route already. For automatic processing the code is the decisive field, not the account number.

How do you fix BR-49?

Set a UNTDID 4461 code in cbc:PaymentMeansCode in UBL, ram:TypeCode in CII: 58 for SEPA credit transfer, 59 for SEPA direct debit, 30 for a general transfer, 48 for card payment.

In the XML

A UBL fragment. The CII path is named above — same change, different element names.

Fails

<cac:PaymentMeans>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02120300000000202051</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

Fixed

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02120300000000202051</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

NormAPI provides technical validation, not tax or legal advice.