# BR-49

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

Checked against Peppol BIS Billing 3.0 2026.5

Canonical: https://einvoicecheck.eu/rules/br-49

## Official rule text

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

## Why did my invoice fail BR-49?

Any Payment instructions group (BG-16) present on the invoice must specify the Payment means type code (BT-81) from the UNCL4461 code list (e.g. 30=credit transfer, 58=SEPA credit transfer, 48=card, 59=SEPA direct debit). This tells the buyer how the invoice is expected to be paid.

## Common causes

- cac:PaymentMeans was included but cbc:PaymentMeansCode was omitted.
- An invalid or non-UNCL4461 payment means code was supplied.
- Bank account (PayeeFinancialAccount) details were provided without the enclosing PaymentMeansCode.

## How do I fix it?

```
In cac:PaymentMeans add <cbc:PaymentMeansCode>30</cbc:PaymentMeansCode> (30 = credit transfer; 58 = SEPA credit transfer).
```