If the Payment means type code (BT-81) means SEPA credit transfer, Local credit transfer or Non-SEPA international credit transfer, the Payment account identifier (BT-84) shall be present.
cac:PaymentMeans(exists(cac:PayeeFinancialAccount/cbc:ID) and ((normalize-space(cbc:PaymentMeansCode) = '30') or (normalize-space(cbc:PaymentMeansCode) = '58') )) or ((normalize-space(cbc:PaymentMeansCode) != '30') and (normalize-space(cbc:PaymentMeansCode) != '58'))