Fix BR-DE-24-a: Card data (BG-18) missing for card payment

BR-DE-24-a in your own invoice? Upload the file and find every error in seconds.

What does BR-DE-24-a mean?

With payment means 48, 54 or 55 (card payment) the invoice must contain the card data (BG-18). In CII it sits in 'ram:ApplicableTradeSettlementFinancialCard' within the payment means: the shortened card number (BT-87) and, if known, the cardholder name (BT-88). The rule comes from KoSIT (XRechnung) and is an error there. For ZUGFeRD our validator only reports it as info.

Common causes of BR-DE-24-a

The payment means carries code 48, 54 or 55 but no card data.
The customer has already paid by card, and the software only sets the code.
The wrong code was chosen: a credit transfer (58) or a direct debit (59) was meant.

How to fix BR-DE-24-a

Find the faulty spot in the XML. Open the XML of the invoice and go to field BG-18 along this XPath://ram:SpecifiedTradeSettlementPaymentMeans/ram:ApplicableTradeSettlementFinancialCard
Apply the fix. With payment means 48, 54 or 55 (card payment) the invoice must contain the card data (BG-18). In 'ram:SpecifiedTradeSettlementPaymentMeans/ram:ApplicableTradeSettlementFinancialCard' enter the card number only shortened, at most 10 characters, for example the last 4 digits ('ram:ID', BR-51), and if known the cardholder name ('ram:CardholderName'). For ZUGFeRD the validator only reports the rule as info; it applies to XRechnung.
Validate again. Save the file and validate it again to check that BR-DE-24-a is no longer reported.

Concrete fix

With payment means 48, 54 or 55 (card payment) the invoice must contain the card data (BG-18). In 'ram:SpecifiedTradeSettlementPaymentMeans/ram:ApplicableTradeSettlementFinancialCard' enter the card number only shortened, at most 10 characters, for example the last 4 digits ('ram:ID', BR-51), and if known the cardholder name ('ram:CardholderName'). For ZUGFeRD the validator only reports the rule as info; it applies to XRechnung.

XPath//ram:SpecifiedTradeSettlementPaymentMeans/ram:ApplicableTradeSettlementFinancialCard

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>48</ram:TypeCode>
</ram:SpecifiedTradeSettlementPaymentMeans>

Correct

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>48</ram:TypeCode>
  <ram:ApplicableTradeSettlementFinancialCard>
    <ram:ID>1234</ram:ID>
    <ram:CardholderName>Mandant GmbH</ram:CardholderName>
  </ram:ApplicableTradeSettlementFinancialCard>
</ram:SpecifiedTradeSettlementPaymentMeans>

Frequent questions about BR-DE-24-a

May the full card number appear on the invoice?

No. At most 10 characters are allowed (BR-51); the last 4 digits are usual.

What does BR-DE-24-b check?

The second part of the same rule: with card payment the invoice must not contain an account for credit transfer or direct debit data.

Related error codes

Check BR-DE-24-a automatically

Instead of digging through the XML by hand you can validate your ZUGFeRD or XRechnung file online: upload the PDF or the XML and you get every error with rule ID, affected field, fix and XPath, as a readable report or as JSON through the API.

Validate online now Back to the lexicon