# AF-0070

Source: https://xmlvalid.com/rules/AF-0070

> Es wurde kein Wert angegeben. Es muss eine Zahlungsmethode angegeben werden.

- Level: error
- Rule sets: e-Rechnung.gv.at checks (UBL) Fehlerliste, October 2026
- Context: `/ubl:Invoice | /cn:CreditNote`
- Test: `self::cn:CreditNote or xs:decimal(cac:LegalMonetaryTotal/cbc:PayableAmount) le 0 or cac:PaymentMeans`

In English: The payment method is missing.

## How to fix it

- UBL: add `cac:PaymentMeans`, with code 58 and the IBAN for a SEPA credit transfer.

Validate a document against these rules: https://xmlvalid.com/validate