diff --git a/library/src/main/java/org/mustangproject/DirectDebit.java b/library/src/main/java/org/mustangproject/DirectDebit.java
index 86937a0f..eaa1333f 100644
--- a/library/src/main/java/org/mustangproject/DirectDebit.java
+++ b/library/src/main/java/org/mustangproject/DirectDebit.java
@@ -20,6 +20,16 @@ public class DirectDebit implements IZUGFeRDTradeSettlementDebit {
 	 */
 	protected String mandate;
 
+	/**
+	 * payment means code (BT-81 / UNTDID 4461)
+	 */
+	protected String paymentMeansCode = "59";
+
+	/**
+	 * Payment means description (BT-82)
+	 */
+	protected String paymentMeansInformation = "SEPA direct debit";
+
 	/**
 	 * bean constructor
 	 */
@@ -38,6 +48,16 @@ public class DirectDebit implements IZUGFeRDTradeSettlementDebit {
 		this.mandate = mandate;
 	}
 
+	public DirectDebit setPaymentMeansCode(String paymentMeansCode) {
+		this.paymentMeansCode = paymentMeansCode;
+		return this;
+	}
+
+	public DirectDebit setPaymentMeansInformation(String paymentMeansInformation) {
+		this.paymentMeansInformation = paymentMeansInformation;
+		return this;
+	}
+
 	/***
 	 * getter for the IBAN
 	 * @return IBAN
@@ -57,6 +77,16 @@ public class DirectDebit implements IZUGFeRDTradeSettlementDebit {
 		return this.mandate;
 	}
 
+	@Override
+	public String getPaymentMeansCode() {
+		return this.paymentMeansCode;
+	}
+
+	@Override
+	public String getPaymentMeansInformation() {
+		return this.paymentMeansInformation;
+	}
+
 	public DirectDebit setMandate(String mandate) {
 		this.mandate = mandate;
 		return this;
diff --git a/library/src/main/java/org/mustangproject/ZUGFeRD/IExportableTransaction.java b/library/src/main/java/org/mustangproject/ZUGFeRD/IExportableTransaction.java
index c7be4d28..0a013ba3 100644
--- a/library/src/main/java/org/mustangproject/ZUGFeRD/IExportableTransaction.java
+++ b/library/src/main/java/org/mustangproject/ZUGFeRD/IExportableTransaction.java
@@ -324,19 +324,20 @@ public interface IExportableTransaction {
 	}
 
 	/**
-	 * supplier identification assigned by the costumer
+	 * get the rounding amount 
+   * (only to be usef for NL whose currency requires a rounding to 5ct)
 	 *
-	 * @return the sender's identification
+	 * @return the Bigdecimal
 	 */
 	default BigDecimal getRoundingAmount() {
 		return null;
 	}
 
 	/**
-	 * get reference document number typically used for Invoice Corrections Will be
-	 * added as IncludedNote in comfort profile
-	 *
-	 * @return the ID of the document this document refers to
+	 * get BuyerReference (BT-10) an identifier assigned by the buyer and used
+	 * for internal routing. Used for the Leitweg-ID.
+	 * 
+	 * @return the BuyerReference of this document
 	 */
 	default String getReferenceNumber() {
 		return null;
diff --git a/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementDebit.java b/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementDebit.java
index 7402b92c..f188bfbb 100644
--- a/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementDebit.java
+++ b/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementDebit.java
@@ -25,8 +25,8 @@ public interface IZUGFeRDTradeSettlementDebit extends IZUGFeRDTradeSettlement {
 	@Override
 	default String getSettlementXML() {
 		String xml = "<ram:SpecifiedTradeSettlementPaymentMeans>"
-				+ "<ram:TypeCode>59</ram:TypeCode>"
-				+ "<ram:Information>SEPA direct debit</ram:Information>"
+				+ "<ram:TypeCode>" + XMLTools.encodeXML(getPaymentMeansCode()) + "</ram:TypeCode>"
+				+ "<ram:Information>" + XMLTools.encodeXML(getPaymentMeansInformation()) + "</ram:Information>"
 				+ "<ram:PayerPartyDebtorFinancialAccount>"
 				+ "<ram:IBANID>" + XMLTools.encodeXML(getIBAN()) + "</ram:IBANID>"
 				+ "</ram:PayerPartyDebtorFinancialAccount>";
@@ -51,4 +51,14 @@ public interface IZUGFeRDTradeSettlementDebit extends IZUGFeRDTradeSettlement {
 	 */
 	String getMandate();
 
+	/***
+	 * @return payment means code (BT-81 / UNTDID 4461)
+	 */
+	String getPaymentMeansCode();
+
+	/***
+	 * @return payment means description (BT-82) (optional)
+	 */
+	String getPaymentMeansInformation();
+
 }
diff --git a/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDInvoiceImporter.java b/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDInvoiceImporter.java
index aa249cd6..0417990d 100644
--- a/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDInvoiceImporter.java
+++ b/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDInvoiceImporter.java
@@ -659,7 +659,7 @@ public class ZUGFeRDInvoiceImporter {
 		NodeList headerTradeSettlementNodes = (NodeList) xpr.evaluate(getDocument(), XPathConstants.NODESET);
 		List<BankDetails> bankDetails = new ArrayList<>();
 		String directDebitMandateID = null;
-		String IBAN = null, BIC = null;
+		String IBAN = null, BIC = null, paymentMeansCode = null, paymentMeansInformation = null;
 
 		for (int i = 0; i < headerTradeSettlementNodes.getLength(); i++) {
 			// XMLTools.trimOrNull(nodes.item(i)))) {
@@ -693,8 +693,18 @@ public class ZUGFeRDInvoiceImporter {
 					NodeList paymentMeansChilds = headerTradeSettlementChilds.item(settlementChildIndex).getChildNodes();
 					IBAN = null;
 					BIC = null;
+					paymentMeansCode = null;
+					paymentMeansInformation = null;
 					for (int paymentMeansChildIndex = 0; paymentMeansChildIndex < paymentMeansChilds.getLength(); paymentMeansChildIndex++) {
 
+						if ((paymentMeansChilds.item(paymentMeansChildIndex).getLocalName() != null) && (paymentMeansChilds.item(paymentMeansChildIndex).getLocalName().equals("TypeCode"))) {
+							paymentMeansCode = XMLTools.trimOrNull(paymentMeansChilds.item(paymentMeansChildIndex));
+						}
+
+						if ((paymentMeansChilds.item(paymentMeansChildIndex).getLocalName() != null) && (paymentMeansChilds.item(paymentMeansChildIndex).getLocalName().equals("Information"))) {
+							paymentMeansInformation = XMLTools.trimOrNull(paymentMeansChilds.item(paymentMeansChildIndex));
+						}
+
 						if ((paymentMeansChilds.item(paymentMeansChildIndex).getLocalName() != null) && (paymentMeansChilds.item(paymentMeansChildIndex).getLocalName().equals("PayeePartyCreditorFinancialAccount") || paymentMeansChilds.item(paymentMeansChildIndex).getLocalName().equals("PayerPartyDebtorFinancialAccount"))) {
 							NodeList accountChilds = paymentMeansChilds.item(paymentMeansChildIndex).getChildNodes();
 							for (int accountChildIndex = 0; accountChildIndex < accountChilds.getLength(); accountChildIndex++) {
@@ -795,6 +805,12 @@ public class ZUGFeRDInvoiceImporter {
 
 		if ((directDebitMandateID != null) && (IBAN != null)) {
 			DirectDebit d = new DirectDebit(IBAN, directDebitMandateID);
+			if (paymentMeansCode != null) {
+				d.setPaymentMeansCode(paymentMeansCode);
+			}
+			if (paymentMeansInformation != null) {
+				d.setPaymentMeansInformation(paymentMeansInformation);
+			}
 			zpp.getSender().addDebitDetails(d);
 		}
 
diff --git a/library/src/test/java/org/mustangproject/ZUGFeRD/DXTest.java b/library/src/test/java/org/mustangproject/ZUGFeRD/DXTest.java
index 56839121..5e4a5316 100644
--- a/library/src/test/java/org/mustangproject/ZUGFeRD/DXTest.java
+++ b/library/src/test/java/org/mustangproject/ZUGFeRD/DXTest.java
@@ -109,6 +109,16 @@ public class DXTest extends MustangReaderTestCase {
 			return "DE99XX12345";
 		}
 
+		@Override
+		public String getPaymentMeansCode() {
+			return "54";
+		}
+
+		@Override
+		public String getPaymentMeansInformation() {
+			return "Credit Card";
+		}
+
 	}
 
 	@Override
diff --git a/library/src/test/java/org/mustangproject/ZUGFeRD/OXTest.java b/library/src/test/java/org/mustangproject/ZUGFeRD/OXTest.java
index f5fa0ab2..28c6f6e9 100644
--- a/library/src/test/java/org/mustangproject/ZUGFeRD/OXTest.java
+++ b/library/src/test/java/org/mustangproject/ZUGFeRD/OXTest.java
@@ -106,6 +106,16 @@ public class OXTest extends MustangReaderTestCase {
 			return "DE99XX12345";
 		}
 
+		@Override
+		public String getPaymentMeansCode() {
+			return "54";
+		}
+
+		@Override
+		public String getPaymentMeansInformation() {
+			return "Credit Card";
+		}
+
 	}
 
 	@Override
diff --git a/library/src/test/java/org/mustangproject/ZUGFeRD/ZF2EdgeTest.java b/library/src/test/java/org/mustangproject/ZUGFeRD/ZF2EdgeTest.java
index a0fd5304..baac90df 100644
--- a/library/src/test/java/org/mustangproject/ZUGFeRD/ZF2EdgeTest.java
+++ b/library/src/test/java/org/mustangproject/ZUGFeRD/ZF2EdgeTest.java
@@ -100,6 +100,16 @@ public class ZF2EdgeTest extends MustangReaderTestCase {
 			return "DE99XX12345";
 		}
 
+		@Override
+		public String getPaymentMeansCode() {
+			return "54";
+		}
+
+		@Override
+		public String getPaymentMeansInformation() {
+			return "Credit Card";
+		}
+
 	}
 
 	@Override
@@ -264,6 +274,16 @@ public class ZF2EdgeTest extends MustangReaderTestCase {
 		return "123";
 	}
 
+	@Override
+	public String getPaymentMeansCode() {
+		return "42";
+	}
+
+	@Override
+	public String getPaymentMeansInformation() {
+		return "Überweisung";
+	}
+
 	/**
 	 * Create the test case
 	 *
@@ -314,7 +334,8 @@ public class ZF2EdgeTest extends MustangReaderTestCase {
 		// now check the contents (like MustangReaderTest)
 		ZUGFeRDImporter zi = new ZUGFeRDImporter(TARGET_PDF);
 		String resultXML=zi.getUTF8();
-		assertTrue(resultXML.contains("<ram:TypeCode>59</ram:TypeCode>"));
+		assertTrue(resultXML.contains("<ram:TypeCode>54</ram:TypeCode>"));
+		assertTrue(resultXML.contains("<ram:Information>Credit Card</ram:Information>"));
 		assertTrue(resultXML.contains("<ram:ShipToTradeParty>"));
 		assertTrue(resultXML.contains("<ram:IBANID>DE540815</ram:IBANID>"));
 		assertTrue(resultXML.contains("<ram:ApplicableTradePaymentDiscountTerms"));
diff --git a/validator/README.md b/validator/README.md
index 95805615..360dc63b 100644
--- a/validator/README.md
+++ b/validator/README.md
@@ -185,7 +185,7 @@ Permissive Open Source APL2, see LICENSE
 | 23  | Not a PDF/A-3  |
 | 24  | Issues in CEN EN16931 Schematron Check |
 | 25  | Unsupported profile type  |
-| 26  | No rules matched, XML to minimal?  |
+| 26  | No rules matched, XML too minimal?  |
 
 ## History
 
diff --git a/validator/src/main/java/org/mustangproject/validator/XMLValidator.java b/validator/src/main/java/org/mustangproject/validator/XMLValidator.java
index 77061ab9..c8bd3475 100644
--- a/validator/src/main/java/org/mustangproject/validator/XMLValidator.java
+++ b/validator/src/main/java/org/mustangproject/validator/XMLValidator.java
@@ -523,7 +523,7 @@ public class XMLValidator extends Validator {
 
 
 			if (firedRules == 0) {
-				context.addResultItem(new ValidationResultItem(ESeverity.error, "No rules matched, XML to minimal?").setSection(26)
+				context.addResultItem(new ValidationResultItem(ESeverity.error, "No rules matched, XML too minimal?").setSection(26)
 					.setPart(EPart.fx));
 
 			}