You use the PaymentMeans element to specify the payment details. You can specify information such as:

The types of payment
The ID of the payment
The details of the Payee's financial institution

Elements

PaymentMeans elements

Name (Path)	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.
Payment Channel Code (`Invoice/PaymentMeans/PaymentChannelCode`)	0..1	The Payment Channel expressed as a code.
Instruction ID (`Invoice/PaymentMeans/PaymentID/InstructionID`)	0..1	The ID for the Payment Instruction.
Credit Transfer
Credit Transfer Group (`Invoice/PaymentMeans/PayeeFinancialAccount`)	0..1	A group of elements to specify credit transfer payments.
Payee Payment Account Identifier (`Invoice/PaymentMeans/PayeeFinancialAccount/ID`)	1..1	The identifier of the Payee's bank account.
Payee Payment Account Name (`Invoice/PaymentMeans/PayeeFinancialAccount/Name`)	0..1	The name of the Payee's bank account.
Payee Financial Institution Branch Group (`Invoice/PaymentMeans/ PayeeFinancialAccount/Name/ FinancialInstitutionBranch/`)	0..1	Financial Institution Branch group.
Payee Financial Institution Branch ID (`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.
Payment Card 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.
Payer Account Identifier (`Invoice/PaymentMeans/PaymentMandate/ PayerFinancialAccount/ID`)	1..1	The account to be debited by the direct debit.

PaymentTerms element

In addition, you can use the PaymentTerms element to specify the payment terms. More detail is provided in the Payment Terms topic.

Standard Values

The following standard values can be used to specify the payment means:

Format/Country	Value
EN 16931	UNCL 4461 . See EN 16931: Standard Values.
Denmark	UNCL 4461. See Denmark: Payment Means Code .
Netherlands	UNCL 4461 . See Netherlands: Payment Means Code .

Country-Specific configurations

Country-specific variations are explained in the following topics:

Examples

Credit Transfer

<Invoice>
    <!-- code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode name="Credit transfer">30</cbc:PaymentMeansCode>
        <cbc:PaymentID>Snippet1</cbc:PaymentID>
        <cac:PayeeFinancialAccount>
            <cbc:ID>IBAN32423940</cbc:ID>
            <cbc:Name>AccountName</cbc:Name>
            <cac:FinancialInstitutionBranch>
                <cbc:ID>BIC324098</cbc:ID>
            </cac:FinancialInstitutionBranch>
        </cac:PayeeFinancialAccount>
    </cac:PaymentMeans>
    <!-- code omitted for clarity -->
</Invoice>

Card Payment

<Invoice>
    <!-- code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode name="Credit card">54</cbc:PaymentMeansCode>
        <cbc:PaymentID>9387439</cbc:PaymentID>
        <cac:CardAccount>
            <cbc:PrimaryAccountNumberID>123236</cbc:PrimaryAccountNumberID>
            <cbc:NetworkID>VISA</cbc:NetworkID>
            <cbc:HolderName>Card holders name</cbc:HolderName>
        </cac:CardAccount>
    </cac:PaymentMeans>
    <!-- code omitted for clarity -->
</Invoice>

Direct Debit

<Invoice>
    <!-- code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>59</cbc:PaymentMeansCode>
        <cac:PaymentMandate>
            <!-- Mandate reference identifier -->    
              <cbc:ID>XY746351</cbc:ID>
              <cac:PayerFinancialAccount>
                    <cbc:ID>DE75512108001245126199</cbc:ID>
              </cac:PayerFinancialAccount>
        </cac:PaymentMandate>
    </cac:PaymentMeans>
    <!-- code omitted for clarity -->
</Invoice>