BR-DE – XRechnung

BR-DE-24-b: card payment combined with account or direct debit data

ErrorXRechnung business rule (KoSIT)

Official message

[BR-DE-24-b] Wenn BT-81 "Payment means type code" einen Schlüssel für Kartenzahlungen enthält (48, 54, 55), dürfen BG-17 und BG-19 nicht übermittelt werden.

Source: KoSIT XRechnung, version 3.0.2 (Schematron 2.6.0)

What the message means

Your invoice states a card payment (code 48, 54 or 55) and next to it lists data that belongs to other means of payment: a payee account for credit transfers or a direct debit mandate. XRechnung admits in one payment entry only the data of the chosen method. The reason is practical: the recipient's software must know unambiguously how to pay, not choose between card, transfer and collection.

Common causes

The template writes the seller's bank details into every invoice, even for card payment.
Mandate data from the customer master is copied regardless of the payment method.
Several means of payment were merged into one block.

How to fix it

For the card codes remove the groups BG-17 and BG-19: in UBL cac:PayeeFinancialAccount and cac:PaymentMandate inside the same cac:PaymentMeans, in CII the creditor account and the mandate reference. If the credit transfer should stay as an alternative, use a second payment entry with code 58 for it.

Before – invalid

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>54</cbc:PaymentMeansCode>
  <cac:CardAccount>
    <cbc:PrimaryAccountNumberID>4321</cbc:PrimaryAccountNumberID>
    <cbc:NetworkID>VISA</cbc:NetworkID>
  </cac:CardAccount>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02120300000000202051</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

After – corrected

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

Frequently asked

Can I offer both card and credit transfer?

Yes, with two separate payment entries: one with a card code and BG-18, one with code 58 and BG-17. Together in one block it is invalid.

Does the rule apply to credit notes as well?

Yes. The check reads every payment entry with the card codes 48, 54 or 55 in invoices and credit notes alike; in both document types no account or mandate data may stand next to it.

Fields concerned

BT-81
BG-17
BG-18
BG-19

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: not(cac:PayeeFinancialAccount) and not(cac:PaymentMandate)
CII · Context (XPath): /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans[normalize-space(ram:TypeCode) = ('48','54','55')]
CII · Schematron test: not(ram:PayeePartyCreditorFinancialAccount) and not(/rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradePaymentTerms/ram:DirectDebitMandateID or /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:CreditorReferenceID or ram:PayerPartyDebtorFinancialAccount/ram:IBANID)

Explanation written on 14 September 2026