VRBL-Invoice-DK-OIOUBL-2p0 - Payment Instructions

vrbl-invoice-dk-oioubl-2p0

Depending on the payment means code, the payment channel code and the payment identifier value, different additional groups might be provided.

Below, the most common scenarios.

Debit transfer

If the value 31 (debit transfer) is provided in the cbc:PaymentMeansCode element, the following rules have to be applied:

• the cbc:InstructionNote element is not allowed.
• the cbc:PaymentChannelCodemust equal VRBL:DK:IBAN or VRBL:DK:ZZZ
• the cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID element is not used if cbc:PaymentChannelCode is equal to IBAN

Example with Payment Means Code 31:

<ubl:Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>31</cbc:PaymentMeansCode>
        <cbc:PaymentChannelCode>ZZZ</cbc:PaymentChannelCode>
        <cac:PayeeFinancialAccount>
            <cbc:ID>DK123456</cbc:ID>
            <cbc:Name>BankAccountOwner Name</cbc:Name>
            <cbc:Address>BankAccountOwner Address</cbc:Address>
            <cac:FinancialInstitutionBranch>
                <cbc:ID>1234</cbc:ID>
                <cbc:Name>Name sample</cbc:Name>
                <cbc:Address>Address sample</cbc:Address>
            </cac:FinancialInstitutionBranch>
        </cac:PayeeFinancialAccount>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</ubl:Invoice>

Payment to bank account

If the value 42 (payment to bank account) is provided in the cbc:PaymentMeansCode element, the following rules have to be applied:

• the cbc:InstructionNote element and the cac:CreditAccount elements are not allowed
• the /cbc:PaymentChannelCode must be equal to VRBL:DK:BANK
• the cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID cannot contain more than 4 digits

Example with Payment Means Code 42, Payment to bank account:

<ubl:Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>42</cbc:PaymentMeansCode>
        <cbc:PaymentChannelCode>VRBL:DK:BANK</cbc:PaymentChannelCode>
        <cac:PayeeFinancialAccount>
            <cbc:ID>DK12345678</cbc:ID>
            <cbc:Name>BankAccountOwner</cbc:Name>
            <cac:FinancialInstitutionBranch>
                <cbc:ID>1234</cbc:ID>
            </cac:FinancialInstitutionBranch>
        </cac:PayeeFinancialAccount>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</ubl:Invoice>

Direct debit

If the value 49 (Direct Debit) is provided in the cbc:PaymentMeansCode element, the following rules have to be applied:

• the cbc:InstructionNote element and the cac:CreditAccount group are not allowed
• the cbc:InstructionID element can be avoided if cbc:PaymentChannelCode is provided
• if cbc:PaymentChannelCode is VRBL:DK:BANK
  * the value in cac:PayerFinancialAccount/cbc:ID cannot be longer than 10 characters
  * the value in cac:PayerFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID must be 4 characters long
• if cbc:PaymentChannelCode is VRBL:DK:IBAN
  * the value in cac:PayerFinancialAccount/cbc:ID must be between 18 and 34 characters
  * the cac:PayerFinancialAccount/cac:FinancialInstitutionBranch/cbc:IDelement does not have to be provided
• the cac:PayerFinancialAccount/cac:FinancialInstitutionBranch/cac:FinancialInstitution/cbc:ID expressed as a ISO 9362 BIC (Bank Identification Code) is recommended, and is mandatory when cbc:PaymentChannelCode is VRBL:DK:IBAN

Example with Payment Means Code 49:

<ubl:Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>49</cbc:PaymentMeansCode>
        <cbc:PaymentChannelCode>VRBL:DK:BANK</cbc:PaymentChannelCode>
        <cac:PayerFinancialAccount>
            <cbc:ID>DK12345678</cbc:ID>
            <cbc:Name>BankAccountOwner</cbc:Name>
            <cac:FinancialInstitutionBranch>
                <cbc:ID>1234</cbc:ID>
                <cac:FinancialInstitution>
                    <cbc:ID>5678</cbc:ID>
                </cac:FinancialInstitution>
            </cac:FinancialInstitutionBranch>
        </cac:PayerFinancialAccount>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</ubl:Invoice>

Payment by postgiro

If the value 50 (Payment by postgiro) is provided in the cbc:PaymentMeansCode element, the following rules have to be applied:

• cac:CreditAccount group is not allowed
• the value in element cbc:PaymentChannelCode must be VRBL:DK:GIRO
• the only values allowed in the cbc:PaymentID element are 01, 04, 15
• when the value in element cbc:PaymentID is 04 or 15
  * cbc:InstructionID cannot contain more the 16 characters
  * cbc:InstructionNote is not allowed
• when the value in element cbc:PaymentID is 01 then cbc:InstructionID cannot contain more the 16 characters
  * cbc:InstructionNote is mandatory
• cac:PayeeFinancialAccount/cbc:ID must be 7 or 8 character long

Example with Payment Means Code 50:

<ubl:Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>50</cbc:PaymentMeansCode>
        <cbc:PaymentID>15</cbc:PaymentID>
        <cbc:PaymentChannelCode>VRBL:DK:GIRO</cbc:PaymentChannelCode>
        <cbc:InstructionID>123456789</cbc:InstructionID>
        <cac:PayeeFinancialAccount>
            <cbc:ID>DK12345</cbc:ID>
        </cac:PayeeFinancialAccount>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</ubl:Invoice>

Reference giro

If the value 93 is provided in the cbc:PaymentMeansCode element, the following rules have to be applied:

• if provided, the element cbc:PaymentChannelCode must contain VRBL:DK:FIK
• the only allowed values in cbc:PaymentID are 71, 73 and 75:
  * if cbc:PaymentID is 71 then cbc:InstructionID must be 15 characters long
  * if cbc:PaymentID is 75 then cbc:InstructionID must be 13 characters long
  * if cbc:PaymentID is 73 then cbc:InstructionNoteis not provided

Example with Payment Means Code 93:

<ubl:Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>93</cbc:PaymentMeansCode>
        <cbc:PaymentID>73</cbc:PaymentID>
        <cbc:PaymentChannelCode>VRBL:DK:FIK</cbc:PaymentChannelCode>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</ubl:Invoice>

Clearing between partners

If the value 97 is provided in the cbc:PaymentMeansCode element, the following rules have to be applied:

• the elements cbc:InstructionID, cbc:InstructionNote, cbc:PaymentID, cac:PayerFinancialAccount, cac:PayeeFinancialAccount and cac:CreditAccount are not allowed
• if provided, the value in element cbc:PaymentChannelCode must be VRBL:DK:NEMKONTO

Example with Payment Means Code 97:

<ubl:Invoice>
    <!-- Code omitted for clarity -->
    <cac:PaymentMeans>
        <cbc:PaymentMeansCode>97</cbc:PaymentMeansCode>
        <cbc:PaymentChannelCode>VRBL:DK:NEMKONTO</cbc:PaymentChannelCode>
    </cac:PaymentMeans>
    <!-- Code omitted for clarity -->
</ubl:Invoice>

<ubl:Invoice>
  <!-- ... omitted for readability -->
  <cac:PaymentMeans>
    <cbc:PaymentMeansCode>31</cbc:PaymentMeansCode>
    <cbc:PaymentChannelCode>IBAN</cbc:PaymentChannelCode>
    <cac:PayeeFinancialAccount>
      <cbc:ID>BE1212341234123412</cbc:ID>
      <cac:FinancialInstitutionBranch>
        <cbc:ID>SEFDABCD</cbc:ID>
      </cac:FinancialInstitutionBranch>
    </cac:PayeeFinancialAccount>
  </cac:PaymentMeans>
  <!-- ... omitted for readability -->
</ubl:Invoice>