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BR-DE-23-b: Card or direct debit details are not allowed for a credit transfer

Official message

[BR-DE-23-b] Wenn BT-81 "Payment means type code" einen Schlüssel für Überweisungen enthält (30, 58), dürfen BG-18 und BG-19 nicht übermittelt werden.

XRechnung (CII) · Error · Message language: German · Version: xrechnung-3.0.2-validator-configuration-2026-08-31

[BR-DE-23-b] Wenn BT-81 "Payment means type code" einen Schlüssel für Überweisungen enthält (30, 58), dürfen BG-18 und BG-19 nicht übermittelt werden.

XRechnung (UBL) · Error · Message language: German · Version: xrechnung-3.0.2-validator-configuration-2026-08-31
Severity
Error The invoice is invalid and may be rejected by the recipient.
Applies to
XRechnung (CII), XRechnung (UBL)
Affected fields
BT-81, BG-18, BG-19

What does this mean?

If a credit transfer is the payment means (code 30 or 58 in BT-81), no payment card information (BG-18) and no direct debit information (BG-19) may be provided. The invoice contains such information.

Typical causes

The credit transfer payment means additionally contains a card number or a debited account (BT-91).
Mandate reference (BT-89) or creditor identifier (BT-90) are filled in although payment is made by credit transfer. In CII these document-level details also count as direct debit information.
A direct debit template was reused for an invoice paid by credit transfer.

How to fix the error

For payment by credit transfer, remove card details (BT-87, BT-88) as well as mandate reference (BT-89), creditor identifier (BT-90) and debited account (BT-91).
If payment is actually made by direct debit, use payment means code 59 instead.
Generate and validate the invoice again.

In E-Rechnungsfreund

In the invoice form ("Experte" view), section "Zahlungsmittel (BG-16)" (payment means), clear the fields "Karten-PAN (BT-87)", "Karteninhaber (BT-88)" and "Lastschrift-Konto (BT-91)" of the payment means with code 30 or 58.
In section "Zahlungsinformationen / SEPA" (payment information), clear the fields "Mandatsreferenz SEPA (BT-89)" and "Gläubiger-ID SEPA (BT-90)".

Example

Wrong

<ram:ApplicableHeaderTradeSettlement>
  <ram:CreditorReferenceID>DE98ZZZ09999999999</ram:CreditorReferenceID>
  ...
  <ram:SpecifiedTradeSettlementPaymentMeans>
    <ram:TypeCode>58</ram:TypeCode>
    <ram:PayeePartyCreditorFinancialAccount>
      <ram:IBANID>DE02120300000000202051</ram:IBANID>
    </ram:PayeePartyCreditorFinancialAccount>
  </ram:SpecifiedTradeSettlementPaymentMeans>
</ram:ApplicableHeaderTradeSettlement>

Correct

<ram:ApplicableHeaderTradeSettlement>
  ...
  <ram:SpecifiedTradeSettlementPaymentMeans>
    <ram:TypeCode>58</ram:TypeCode>
    <ram:PayeePartyCreditorFinancialAccount>
      <ram:IBANID>DE02120300000000202051</ram:IBANID>
    </ram:PayeePartyCreditorFinancialAccount>
  </ram:SpecifiedTradeSettlementPaymentMeans>
</ram:ApplicableHeaderTradeSettlement>
For developers: test expression per syntax

XRechnung (CII) (CII)

Context: /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans[normalize-space(ram:TypeCode) = ('30','58')]

not(ram:ApplicableTradeSettlementFinancialCard) 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)

XRechnung (UBL) (UBL)

Context: /ubl:Invoice/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('30','58')] | /cn:CreditNote/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('30','58')]

not(cac:CardAccount) and not(cac:PaymentMandate)

Related validation rules

  • BR-DE-1: Payment instructions (BG-16) are missing
  • BR-DE-10: Deliver to city (BT-77) is missing
  • BR-DE-11: Deliver to post code (BT-78) is missing
  • BR-DE-14: VAT category rate (BT-119) is missing in the VAT breakdown
  • BR-DE-15: Buyer reference (BT-10) is missing
  • BR-DE-16: Seller VAT ID, tax number or tax representative is missing

Last updated:
Explanation of the validation rule, not legal or tax advice.