Fix BR-50: Credit transfer without account identifier

BR-50 in your own invoice? Upload the file and find every error in seconds.

What does BR-50 mean?

If the invoice gives credit transfer details (BG-17), the payment account identifier (BT-84) must be present. This is the account the buyer pays into, usually as an IBAN. Without this identifier the buyer cannot make the transfer. The rule applies only when a credit transfer account is present.

Common causes of BR-50

The element ram:PayeePartyCreditorFinancialAccount is in the invoice, but ram:IBANID is missing.
Only the account name (ram:AccountName) is set, not the IBAN.
The IBAN appears in the visible text of the document but was not carried into the XML.

How to fix BR-50

Find the faulty spot in the XML. Open the XML of the invoice and go to field BT-84 along this XPath:/rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:PayeePartyCreditorFinancialAccount/ram:IBANID
Apply the fix. Set the element ram:IBANID in ram:PayeePartyCreditorFinancialAccount with the payee's IBAN in the format DE12500105170648489890.
Validate again. Save the file and validate it again to check that BR-50 is no longer reported.

Concrete fix

Set the element ram:IBANID in ram:PayeePartyCreditorFinancialAccount with the payee's IBAN in the format DE12500105170648489890.

XPath

/rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans/ram:PayeePartyCreditorFinancialAccount/ram:IBANID

Before / after: the XML example

This is the spot in question before and after the fix (Cross Industry Invoice, ZUGFeRD/Factur-X).

Wrong

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:AccountName>Musterfirma GmbH</ram:AccountName>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Correct

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE12500105170648489890</ram:IBANID>
    <ram:AccountName>Musterfirma GmbH</ram:AccountName>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Frequent questions about BR-50

Does it have to be an IBAN?

For a SEPA credit transfer yes, then the IBAN goes in ram:IBANID. For an account outside SEPA use ram:ProprietaryID for the national account number.

Does the rule also apply without credit transfer details?

No. The rule applies only when the invoice carries a credit transfer account (BG-17). With direct debit or card payment without an account it does not apply.

Related error codes

Check BR-50 automatically

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