Payment Means

The code list is based on the UN/EDIFACT 4461 code list as used by various countries and networks like Peppol (UNCL4461 code list).

Code	Name	Description
1	Instrument not defined	Not defined legally enforceable agreement between two or more parties (expressing a contractual right or a right to the payment of money).
2	Automated clearing house credit	A credit transaction is made through the automated clearinghouse system.
3	Automated clearing house debit	A debit transaction is made through the automated clearing house system.
4	ACH demand debit reversal	A request to reverse an ACH debit transaction to a demand deposit account.
5	ACH demand credit reversal	A request to reverse a credit transaction to a demand deposit account.
6	ACH demand credit	A credit transaction made through the ACH system to a demand deposit account.
7	ACH demand debit	A debit transaction is made through the ACH system to a demand deposit account.
8	Hold	Indicates that the bank should hold the payment for collection by the beneficiary or other instructions.
9	National or regional clearing	Indicates that the payment should be made using the national or regional clearing.
10	In cash	Payment by currency (including bills and coins) in circulation, including checking account deposits.
11	ACH savings credit reversal	A request to reverse an ACH credit transaction to a savings account.
12	ACH savings debit reversal	A request to reverse an ACH debit transaction to a savings account.
13	ACH savings credit	A credit transaction made through the ACH system to a savings account.
14	ACH savings debit	A debit transaction made through the ACH system to a savings account.
15	Bookentry credit	A credit entry between two accounts at the same bank branch. Synonym: house credit.
16	Bookentry debit	A debit entry between two accounts at the same bank branch. Synonym: house debit.
17	ACH demand cash concentration/disbursement (CCD) credit	A credit transaction is made through the ACH system to a demand deposit account using the CCD payment format.
18	ACH demand cash concentration/disbursement (CCD) debit	A debit transaction is made through the ACH system to a demand deposit account using the CCD payment format.
19	ACH demand corporate trade payment (CTP) credit	A credit transaction is made through the ACH system to a demand deposit account using the CTP payment format.
20	Cheque	Payment by a pre-printed form on which instructions are given to an account holder (a bank or building society) to pay a stated sum to a named recipient.
21	Banker's draft	Issue of a banker's draft in payment of the funds.
22	Certified banker's draft	A cheque drawn by a bank on itself or its agent. A person who owes money to another buys the draft from a bank for cash and hands it to the creditor, who needs to have no fear.
23	Bank cheque (issued by a banking or similar establishment)	Payment by a pre-printed form, which has been completed by a financial institution, on which instructions are given to an account holder to pay a stated sum to a recipient.
24	Bill of exchange awaiting acceptance	The creditor drew the bill on the debtor but has not yet been accepted by the debtor.
25	Certified cheque	Payment is made by a pre-printed form stamped with the paying bank's certification, on which instructions are given to an account holder to pay a stated sum to a named recipient.
26	Local cheque	Indicates that the cheque is given locally to the recipient.
27	ACH demand corporate trade payment (CTP) debit	A debit transaction is made through the ACH system to a demand deposit account using the CTP payment format.
28	ACH demand corporate trade exchange (CTX) credit	A credit transaction is made through the ACH system to a demand deposit account using the CTX payment format.
29	ACH demand corporate trade exchange (CTX) debit	A debit transaction is made through the ACH system to a demand account using the CTX payment format.
30	Credit transfer	Payment by credit movement of funds from one account to another.
31	Debit transfer	Payment by debit movement of funds from one account to another.
32	ACH demand cash concentration/disbursement plus (CCD+) credit	A credit transaction is made through the ACH system to a demand deposit account using the CCD+ payment format.
33	ACH demand cash concentration/disbursement plus (CCD+) debit	A debit transaction is made through the ACH system to a demand deposit account using the CCD+ payment format.
34	ACH prearranged payment and deposit (PPD)	A consumer credit transaction made through the ACH system to a demand deposit or savings account.
35	ACH savings cash concentration/disbursement (CCD) credit	A credit transaction made through the ACH system to a demand deposit or savings account.
36	ACH savings cash concentration/disbursement (CCD) debit	A debit transaction is made through the ACH system to a savings account using the CCD payment format.
37	ACH savings corporate trade payment (CTP) credit	A credit transaction is made through the ACH system to a savings account using the CTP payment format.
38	ACH savings corporate trade payment (CTP) debit	A debit transaction is made through the ACH system to a savings account using the CTP payment format.
39	ACH savings corporate trade exchange (CTX) credit	A credit transaction is made through the ACH system to a savings account using the CTX payment format.
40	ACH savings corporate trade exchange (CTX) debit	A debit transaction is made through the ACH system to a savings account using the CTX payment format.
41	ACH savings cash concentration/disbursement plus (CCD+) credit	A credit transaction made through the ACH system to a savings account using the CCD+ payment format.
42	Payment to bank account	Payment by an arrangement for settling debts that the Post Office operates.
43	ACH savings cash concentration/disbursement plus (CCD+) debit	A debit transaction is made through the ACH system to a savings account using the CCD+ payment format.
44	Accepted bill of exchange	The bill was drawn by the creditor on the debtor and accepted by the debtor.
45	Referenced home-banking credit transfer	A referenced credit transfer was initiated through home banking.
46	Interbank debit transfer	A debit transfer via interbank means.
47	Home-banking debit transfer	A debit transfer is initiated through home banking.
48	Bank card	Payment by means of a card issued by a bank or other financial institution.
49	Direct debit	The amount is to be or has been, directly debited to the customer's bank account.
50	Payment by postgiro	A method for transmitting funds through the postal system rather than the banking system.
51	FR, norme 6 97-Telereglement CFONB - Option A	A French standard procedure that allows a debtor to pay an amount due to a creditor. The creditor will forward it to its bank, which will collect the money from the debtor.
52	Urgent commercial payment	Payment orders require guaranteed processing by the most appropriate means to ensure they occur on the requested execution date, provided they are issued before the cutoff.
53	Urgent Treasury Payment	Payment orders or transfers must be executed by the most appropriate means, as urgently as possible and before urgent commercial payments.
54	Credit card	Payment is made by means of a credit card.
55	Debit card	Payment is made by means of a debit card.
56	Bankgiro	Payment will be or has been, made by Bankgiro.
57	Standing agreement	The payment means have been previously agreed between the seller and buyer and thus are not stated again.
58	SEPA credit transfer	Credit transfer inside the Single Euro Payment Area (SEPA) system.
59	SEPA direct debit	Direct debit inside the Single Euro Payment Area (SEPA) system.
60	Promissory note	Payment by an unconditional promise in writing made by one person to another, signed by the maker, engaging to pay on demand or at a fixed or determinable future time.
61	Promissory note signed by the debtor	Payment by an unconditional promise in writing made by the debtor to another person, signed by the debtor, engaging to pay on demand or at a fixed or determinable future time.
62	Promissory note signed by the debtor and endorsed by a bank	Payment is made by an unconditional promise in writing made by the debtor to another person, signed by the debtor, and endorsed by a bank.
63	Promissory note signed by the debtor and endorsed by a third party	Payment is made by an unconditional promise in writing made by the debtor to another person, signed by the debtor, and endorsed by a third party.
64	Promissory note signed by a bank	Payment by an unconditional promise in writing made by the bank to another person, signed by the bank.
65	Promissory note signed by a bank and endorsed by another bank	Payment is made by an unconditional promise in writing made by the bank to another person, signed by the bank, and endorsed by another bank.
66	Promissory note signed by a third party	Payment by an unconditional promise in writing made by a third party to another person, signed by the third party.
67	Promissory note signed by a third party and endorsed by a bank	Payment is made by an unconditional promise in writing made by a third party to another person, signed by the third party, and endorsed by a bank.
68	Online payment service	Payment will be made or has been made by an online payment service.
70	Bill drawn by the creditor on the debtor	Bill was drawn by the creditor on the debtor.
74	Bill drawn by the creditor on a bank	The creditor drew a bill on a bank.
75	Bill drawn by the creditor, endorsed by another bank	The bill was drawn by the creditor and endorsed by another bank.
76	Bill drawn by the creditor on a bank and endorsed by a third party	The bill is drawn by the creditor of a bank and endorsed by a third party.
77	Bill drawn by the creditor on a third party	The creditor drew a bill on a third party.
78	Bill drawn by creditor on third party, accepted and endorsed by bank	The creditor drew the bill on the third party, accepted and endorsed by the bank.
91	Not transferable banker's draft	Issue a banker's draft not endorsable.
92	Not transferable local cheque	Issue a cheque that is not endorsable when payment of the funds is made.
93	Reference giro	Ordering customer tells the bank to use the payment system 'Reference giro'. Used in the Finnish national banking system.
94	Urgent giro	The ordering customer tells the bank to use the 'Urgent Giro' service when transferring the payment. Used in the Finnish national banking system.
95	Free format giro	The ordering customer tells the ordering bank to use the 'Free Format Giro' service when transferring the payment. Used in the Finnish national banking system.
96	Requested method for payment was not used	If the requested method for payment was or could not be used, this code indicates that.
97	Clearing between partners	Amounts that two partners owe to each other to be compensated to avoid useless payments.
ZZZ	Mutually defined	A code assigned within a code list is to be used on an interim basis and as defined among trading partners until a precise code can be assigned to the code list.