> ## Documentation Index
> Fetch the complete documentation index at: https://gobl-cli-install-gobl-dev.mintlify.site/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 |


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