BR-DE-24-b: Credit transfer or direct debit sent together with a card payment
Severity: fatal · Syntax: CII, UBL
Official message
Wenn BT-81 "Payment means type code" einen Schlüssel für Kartenzahlungen enthält (48, 54, 55), dürfen BG-17 und BG-19 nicht übermittelt werden.
What this means
If BT-81 is 48, 54 or 55, BG-17 and BG-19 must not be transmitted. UBL checks not(cac:PayeeFinancialAccount) and not(cac:PaymentMandate).
Typical cause
An IBAN or a mandate is stored next to the card on the same payment means.
How to fix it
Remove PayeeFinancialAccount and PaymentMandate when the code is a card code.
UBL
<!-- BT-81 = 48, 54 oder 55: kein cac:PayeeFinancialAccount und kein cac:PaymentMandate -->CII
<!-- BT-81 = 48, 54 or 55: no payee account and no payment mandate -->Business term
BT-81, BG-17, BG-19
Related rules
Context and assertion
UBL /ubl:Invoice/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('48','54','55')] |/cn:CreditNote/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('48','54','55')]
CII /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans[normalize-space(ram:TypeCode) = ('48','54','55')]
UBL
not(cac:PayeeFinancialAccount) and not(cac:PaymentMandate)CII
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)Check a file now, free of charge
curl -F "file=@rechnung.xml" https://checkxrechnung.com/v1/validate
Questions
What does BR-DE-24-b actually check?
If BT-81 is 48, 54 or 55, BG-17 and BG-19 must not be transmitted. UBL checks not(cac:PayeeFinancialAccount) and not(cac:PaymentMandate).
How do I fix BR-DE-24-b?
Remove PayeeFinancialAccount and PaymentMandate when the code is a card code.
If BR-DE-24-b passes, is the invoice legally compliant?
No. This page helps you read this one Schematron assertion. A pass is not a statement about tax law, portal acceptance, or bank overlays.