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BR-DE-25-b: Credit transfer or card details are not allowed for direct debit

Official message

[BR-DE-25-b] Wenn BT-81 "Payment means type code" einen Schlüssel für Lastschriften enthält (59), dürfen BG-17 und BG-18 nicht übermittelt werden.

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

[BR-DE-25-b] Wenn BT-81 "Payment means type code" einen Schlüssel für Lastschriften enthält (59), dürfen BG-17 und BG-18 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-17, BG-18

What does this mean?

If a direct debit is the payment means (code 59 in BT-81), the same payment means must not contain credit transfer information (BG-17) or payment card information (BG-18). The payment means contains such information.

Typical causes

The seller's own IBAN, BIC or account name was additionally entered for the direct debit payment means.
A card number was entered for the direct debit payment means.

How to fix the error

For the payment means with code 59, only state the buyer's debited account (BT-91); remove the payee account (BT-84 to BT-86) and card details (BT-87, BT-88).
CII: no ram:PayeePartyCreditorFinancialAccount, ram:PayeeSpecifiedCreditorFinancialInstitution, ram:PayerSpecifiedDebtorFinancialInstitution or ram:ApplicableTradeSettlementFinancialCard under ram:SpecifiedTradeSettlementPaymentMeans; UBL: no cac:PayeeFinancialAccount or cac:CardAccount.
If a credit transfer should also be possible, state it as a separate payment means with code 58 or 30.
Generate and validate the invoice again.

In E-Rechnungsfreund

In the invoice form ("Experte" view), section "Zahlungsmittel (BG-16)" (payment means), clear the fields "IBAN (BT-84)", "Nationale Kontonr. (BT-84-0)", "Kontoinhaber (BT-85)", "BIC (BT-86)", "Karten-PAN (BT-87)" and "Karteninhaber (BT-88)" of the payment means with code 59; only fill in "Lastschrift-Konto (BT-91)".

Example

Wrong

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>59</ram:TypeCode>
  <ram:PayerPartyDebtorFinancialAccount>
    <ram:IBANID>DE02120300000000202051</ram:IBANID>
  </ram:PayerPartyDebtorFinancialAccount>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE75512108001245126199</ram:IBANID>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Correct

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>59</ram:TypeCode>
  <ram:PayerPartyDebtorFinancialAccount>
    <ram:IBANID>DE02120300000000202051</ram:IBANID>
  </ram:PayerPartyDebtorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>
For developers: test expression per syntax

XRechnung (CII) (CII)

Context: /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans[normalize-space(ram:TypeCode) = '59']

not(ram:PayeePartyCreditorFinancialAccount) and not(ram:PayeeSpecifiedCreditorFinancialInstitution) and not(ram:PayerSpecifiedDebtorFinancialInstitution) and not(ram:ApplicableTradeSettlementFinancialCard)

XRechnung (UBL) (UBL)

Context: /ubl:Invoice/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = '59'] | /cn:CreditNote/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = '59']

not(cac:PayeeFinancialAccount) and not(cac:CardAccount)

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.