Germany B2B: Payment Instructions

Germany has specific requirements for how payment instructions or means are to be modelled.

Different payment means required different information.

Elements

Use the appropriate sub-elements of the PaymentMeans element:

Element	Cardinality	Description
Payment Instructions Group (`Invoice/PaymentMeans`)	0..n	Group of elements that models information about how the payment was made.
Payment Means Type Code (`Invoice/PaymentMeans/PaymentMeansCode`)	1..1	The code that represents the payment method. See UNCL4461 . This can be named in an attribute, for example: `<cbc:PaymentMeansCode name="Credit transfer">30</cbc:PaymentMeansCode>`
Payment Means Type Code (`Invoice/PaymentMeans/PaymentMeansCode @name`)	0..1	The means, expressed as name.
Payment Instruction ID (`Invoice/PaymentMeans/PaymentID`)	0..1	The identifier of the payment.
Credit Transfer
Credit Transfer Group (`Invoice/PaymentMeans/PayeeFinancialAccount`)	0..1	A group of elements to specify credit transfer payments.
Payment Account Identifier (`Invoice/PaymentMeans/PayeeFinancialAccount/ID`)	1..1	The identifier of the Payee's bank account.
Payment Account Name (`Invoice/PaymentMeans/PayeeFinancialAccount/Name`)	0..1	The name of the Payee's bank account.
Financial Institution Branch (`Invoice/PaymentMeans/PayeeFinancialAccount/Name/ FinancialInstitutionBranch/`)	0..1	Financial Institution Branch group.
Financial Institution Branch (`Invoice/PaymentMeans/PayeeFinancialAccount/Name/ FinancialInstitutionBranch/ID`)	1..1	The identifier for the Payee's bank or other financial institution.
Card Payment
Payment Card Information Group (`Invoice/PaymentMeans/CardAccount`)	0..1	Groups information about a card payment.
Payment Card Primary Account Number (`Invoice/PaymentMeans/CardAccount/PrimaryAccountNumberID`)	0..1	The Primary Account Number (PAN) of the card used for payment.
Network ID (`Invoice/PaymentMeans/CardAccount/NetworkID`)	0..1	Used to identify the financial service network provider of the card.
Payment Card Holder Name (`Invoice/PaymentMeans/CardAccount/HolderName`)	0..1	The name of the payment card holder.
Direct Debit
Direct Debit Group (`Invoice/PaymentMeans/PaymentMandate/`)	0..1	Groups information about a direct debit.
Mandate Reference Identifier (`Invoice/PaymentMeans/PaymentMandate/ID`)	0..1	Unique identifier assigned by the Payee for referencing the direct debit mandate.
Payer Financial Account Group (`Invoice/PaymentMeans/PaymentMandate/PayerFinancialAccount`)	0..1	Groups information about the Payer's financial account.
Debited Account Identifier (`Invoice/PaymentMeans/PaymentMandate/PayerFinancialAccount/ID`)	1..1	The account to be debited by the direct debit.

Restrictions

Restrictions can vary depending on the payment means.

The Payment Means Codes are a subset of the UNCL4461 list. This is one of the standard values for VRBL that is explained in the VRBL: Standard Values topic.

Payment Card information

You must use either 48, 54, or 55 in the Payment Means Type Code (Invoice/PaymentMeans/PaymentMeansCode) element, representing a card payment.

Credit Transfer

You must use either 30 or 58 in the Payment Means Type Code (Invoice/PaymentMeans/PaymentMeansCode) element, representing a credit transfer.

Direct Debit

You must use either 59 in the Payment Means Type Code (Invoice/PaymentMeans/PaymentMeansCode) element, representing a direct debit.
You must also specify one of the following:
- Germany B2B: Supplier's SEPA ID
- Germany B2B: Payee's SEPA ID

Examples

Payment Card information

<Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>48</cbc:PaymentMeansCode>
        <cac:CardAccount>
            <cbc:PrimaryAccountNumberID>41234</cbc:PrimaryAccountNumberID>
            <!-- Provide 'NA' if not applicable -->
            <cbc:NetworkID>NA</cbc:NetworkID>
            <cbc:HolderName>[Payment card holder name]</cbc:HolderName>
        </cac:CardAccount>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</Invoice>

Credit Transfer

<Invoice>
    <!-- Code omitted for clarity -->
    </cac:PaymentMeans>
        <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
        <!-- Code omitted for clarity -->
        <cac:PayeeFinancialAccount>
            <cbc:ID>DE75512108001245126199</cbc:ID>
            <cbc:Name>[Payment account name]</cbc:Name>
            <cac:FinancialInstitutionBranch>
                <cbc:ID>[BIC]</cbc:ID>
            </cac:FinancialInstitutionBranch>
        </cac:PayeeFinancialAccount>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</Invoice>

Direct Debit

<Invoice>
    <!-- Code omitted for clarity -->
    </cac:PaymentMeans>
        <cbc:PaymentMeansCode name="[Payment means text]">59</cbc:PaymentMeansCode>
        <!-- Code omitted for clarity -->
        <cac:PaymentMandate>
            <cbc:ID>[Mandate reference identifier]</cbc:ID>
            <cac:PayerFinancialAccount>
                <cbc:ID>DE75512108001245126199</cbc:ID>
            </cac:PayerFinancialAccount>
        </cac:PaymentMandate>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</Invoice>

Updated about 8 hours ago