BR-DE – XRechnung

BR-DE-24-a: card payment without card information (BG-18)

ErrorXRechnung business rule (KoSIT)

Official message

[BR-DE-24-a] Wenn BT-81 "Payment means type code" einen Schlüssel für Kartenzahlungen enthält (48, 54, 55), muss genau BG-18 "PAYMENT CARD INFORMATION" übermittelt werden.

Source: KoSIT XRechnung, version 3.0.2 (Schematron 2.6.0)

What the message means

Your invoice states a card payment as the means of payment (code 48, 54 or 55) but delivers no card information with it. XRechnung requires the group BG-18 in this case, with the card's account number, usually the last digits, and optionally the holder. Without these details the recipient cannot assign the payment to a card. Usually the payment method was picked from a list without the software carrying the card data over.

How to fix it

For a card payment add the group BG-18: in UBL cac:CardAccount with cbc:PrimaryAccountNumberID under cac:PaymentMeans, in CII ram:ApplicableTradeSettlementFinancialCard with ram:ID. Transmit at most the last digits of the card number, never the full number.

Before – invalid

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>54</cbc:PaymentMeansCode>
</cac:PaymentMeans>

After – corrected

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>54</cbc:PaymentMeansCode>
  <cac:CardAccount>
    <cbc:PrimaryAccountNumberID>4321</cbc:PrimaryAccountNumberID>
    <cbc:NetworkID>VISA</cbc:NetworkID>
    <cbc:HolderName>Max Muster</cbc:HolderName>
  </cac:CardAccount>
</cac:PaymentMeans>

Frequently asked

May the full card number appear in the invoice?

No. The norm provides for the last digits only; the full number would be a security risk and is queried by validation services.

Which codes count as card payment?

48 for card payment in general, 54 for credit card and 55 for debit card. For these three BR-DE-24-a requires the group BG-18.

Also seen when …

The payment code was set to card payment by hand, but the card data was not captured.
The software does not know the group BG-18 and silently leaves it out.
A test run with card payment was exported without real card data.

Fields concerned

BG-18
BT-81
BT-87
BT-88

Related rules

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Technical details

UBL · Context (XPath): /ubl:Invoice/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('48','54','55')] |/cn:CreditNote/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('48','54','55')]
UBL · Schematron test: cac:CardAccount
CII · Context (XPath): /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans[normalize-space(ram:TypeCode) = ('48','54','55')]
CII · Schematron test: ram:ApplicableTradeSettlementFinancialCard

Explanation written on 14 September 2026