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

Official rule text

For a card payment (BT-81 with code 48, 54 or 55) neither credit-transfer data (BG-17) nor direct-debit data (BG-19) may sit beside it. BR-DE-24-a is its counterpart and requires the matching group, BG-18.

Severity
Error
Applies to
CII, UBL
Rule set
v2026-08-31
Checked on

Written and checked against the official KoSIT rule set by Dmytro Yalanskyi, NormAPI.

Why does BR-DE-24-b happen?

The seller's own payee IBAN is habitually written into every invoice, even when the chosen payment route is not a transfer at all — and that one default field is what fells a card payment. The codes 48, 54 and 55 are not in the expression but in the rule's context on cac:PaymentMeans, and each payment route is judged on its own. As on BR-DE-23-b, UBL looks only at the children of that one route, while in CII the two direct-debit checks start at the document root.

What the validator checks

The expression the official KoSIT rule set evaluates — not paraphrased, but read from the Schematron file it ships. UBL and CII address different document trees, so the same rule reads differently in each.

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)

Source: rule set v2026-08-31

How do you fix BR-DE-24-b?

With card payment, transmit BG-18 only. Leave out the usual payee IBAN (BG-17) for this invoice — or change the payment means code to 58 if it is actually to be paid by transfer.

In the XML

A UBL fragment. The CII path is named above — same change, different element names.

Fails
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>54</cbc:PaymentMeansCode>
  <cac:CardAccount>
    <cbc:PrimaryAccountNumberID>******1234</cbc:PrimaryAccountNumberID>
    <cbc:NetworkID>NA</cbc:NetworkID>
  </cac:CardAccount>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02120300000000202051</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>
Fixed
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>54</cbc:PaymentMeansCode>
  <cac:CardAccount>
    <cbc:PrimaryAccountNumberID>******1234</cbc:PrimaryAccountNumberID>
    <cbc:NetworkID>NA</cbc:NetworkID>
  </cac:CardAccount>
</cac:PaymentMeans>

Related rules

NormAPI provides technical validation, not tax or legal advice.