> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gobl.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Instructions

Instructions determine how the payment has or should be made.

## Schema ID

`https://gobl.org/draft-0/pay/instructions`

## Properties

| Title           | Property          | Type                                                        | Description                                                                                      |
| --------------- | ----------------- | ----------------------------------------------------------- | ------------------------------------------------------------------------------------------------ |
| Key             | `key`             | [cbc.Key](/draft-0/cbc/key)                                 | The payment means expected or that have been arranged to be used to make the payment.            |
| Detail          | `detail`          | string                                                      | Optional text description of the payment method                                                  |
| Reference       | `ref`             | [cbc.Code](/draft-0/cbc/code)                               | Remittance information or concept, a code value used to link the payment with the invoice.       |
| Credit Transfer | `credit_transfer` | array of [pay.CreditTransfer](/draft-0/pay/credit_transfer) | Instructions for sending payment via a bank transfer.                                            |
| Card            | `card`            | [pay.Card](/draft-0/pay/card)                               | Details of the payment that will be made via a credit or debit card.                             |
| Direct Debit    | `direct_debit`    | [pay.DirectDebit](/draft-0/pay/direct_debit)                | A group of terms that can be used by the customer or payer to consolidate direct debit payments. |
| Online          | `online`          | array of [pay.Online](/draft-0/pay/online)                  | Array of online payment options                                                                  |
| Notes           | `notes`           | string                                                      | Any additional instructions that may be required to make the payment.                            |
| Extensions      | `ext`             | [tax.Extensions](/draft-0/tax/extensions)                   | Extension key-pairs values defined by a tax regime.                                              |
| Meta            | `meta`            | [cbc.Meta](/draft-0/cbc/meta)                               | Non-structured additional data that may be useful.                                               |

## Key Values

| Value                  | Description                                            |
| ---------------------- | ------------------------------------------------------ |
| `any`                  | Any method available, no preference.                   |
| `card`                 | Payment by card.                                       |
| `card+credit`          | Payment by credit card.                                |
| `card+debit`           | Payment by debit card.                                 |
| `credit-transfer`      | Sender initiated bank or wire transfer.                |
| `credit-transfer+sepa` | Sender initiated bank or wire transfer via SEPA.       |
| `debit-transfer`       | Receiver initiated bank or wire transfer.              |
| `cash`                 | Cash in hand.                                          |
| `cheque`               | Cheque from bank.                                      |
| `bank-draft`           | Bankers Draft or Bank Cheque.                          |
| `direct-debit`         | Direct debit from the customers bank account.          |
| `direct-debit+sepa`    | Direct debit from the customers bank account via SEPA. |
| `online`               | Online or web payment.                                 |
| `promissory-note`      | Promissory note contract.                              |
| `netting`              | Intercompany clearing or clearing between partners.    |
| `other`                | Other or mutually defined means of payment.            |

## Validation Rules

| Field | Test                                                                                                                                                                                                                                                          | Validation Code / Message                         |
| ----- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------- |
| `key` | <ul class="gobl-test"><li class="gobl-test-present">Present</li></ul>                                                                                                                                                                                         | `GOBL-PAY-INSTRUCTIONS-01`<br />Key is required   |
| `key` | <ul class="gobl-test"><li>Be or starts with one of \[any, card, card+credit, card+debit, credit-transfer, credit-transfer+sepa, debit-transfer, cash, cheque, bank-draft, direct-debit, direct-debit+sepa, online, promissory-note, netting, other]</li></ul> | `GOBL-PAY-INSTRUCTIONS-02`<br />Key must be valid |