# BR-61

> If the Payment means type code (BT-81) means SEPA credit transfer, Local credit transfer or Non-SEPA international credit transfer, the Payment account identifier (BT-84) shall be present.

Checked against Peppol BIS Billing 3.0 2026.5

Canonical: https://einvoicecheck.eu/rules/br-61

## Official rule text

If the Payment means type code (BT-81) means SEPA credit transfer, Local credit transfer or Non-SEPA international credit transfer, the Payment account identifier (BT-84) shall be present.

## Why did my invoice fail BR-61?

When the Payment means type code (BT-81) indicates a credit transfer (SEPA credit transfer code 58, general/local credit transfer 30, or non-SEPA international transfer), the Payment account identifier (BT-84) — the receiving IBAN or account number — must be provided. Without it the buyer has no account to transfer funds to, so the rule guards payment usability.

## Common causes

- cac:PaymentMeans/cbc:PaymentMeansCode is 30/58 but cac:PayeeFinancialAccount/cbc:ID (the IBAN) is missing or empty.
- The account was put in a PayerFinancialAccount or in remittance text instead of PayeeFinancialAccount/ID.
- A payment means block was generated for a credit-transfer code even though the actual payment data (bank account) was not available.

## How do I fix it?

```
Under the matching cac:PaymentMeans add: <cac:PayeeFinancialAccount><cbc:ID>DE89370400440532013000</cbc:ID></cac:PayeeFinancialAccount>.
```