Fix BR-DE-24-b: Card payment with account or direct debit data

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

What does BR-DE-24-b mean?

With payment means 48, 54 or 55 (card payment) the invoice must not contain an account for credit transfer (BG-17) or direct debit data (BG-19). In CII the mandate reference and the creditor ID apply to the whole invoice, so they always count. 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-b

The template always writes your own IBAN, even for card payment.
A mandate reference or creditor ID from an earlier direct debit is still in the invoice.

How to fix BR-DE-24-b

Find the faulty spot in the XML. Open the XML of the invoice and go to field BT-81 along this XPath://ram:SpecifiedTradeSettlementPaymentMeans[ram:TypeCode='48' or ram:TypeCode='54' or ram:TypeCode='55']
Apply the fix. With payment means 48, 54 or 55 (card payment) the invoice must not contain an account for credit transfer (BG-17, 'ram:PayeePartyCreditorFinancialAccount') or direct debit data (BG-19: mandate reference, creditor ID, debtor IBAN). Remove them, or choose the payment means that really applies. 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-b is no longer reported.

Concrete fix

With payment means 48, 54 or 55 (card payment) the invoice must not contain an account for credit transfer (BG-17, 'ram:PayeePartyCreditorFinancialAccount') or direct debit data (BG-19: mandate reference, creditor ID, debtor IBAN). Remove them, or choose the payment means that really applies. For ZUGFeRD the validator only reports the rule as info; it applies to XRechnung.

XPath//ram:SpecifiedTradeSettlementPaymentMeans[ram:TypeCode='48' or ram:TypeCode='54' or ram:TypeCode='55']

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:ApplicableTradeSettlementFinancialCard>
    <ram:ID>1234</ram:ID>
  </ram:ApplicableTradeSettlementFinancialCard>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE02120300000000202051</ram:IBANID>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Correct

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>48</ram:TypeCode>
  <ram:ApplicableTradeSettlementFinancialCard>
    <ram:ID>1234</ram:ID>
  </ram:ApplicableTradeSettlementFinancialCard>
</ram:SpecifiedTradeSettlementPaymentMeans>

Frequent questions about BR-DE-24-b

Where do I give my bank details then?

With card payment the buyer needs none. If the buyer should transfer the amount, use payment means 58 instead of the card.

What does BR-DE-24-a check?

The first part of the same rule: with card payment the card data must be in the invoice (BG-18).

Related error codes

Check BR-DE-24-b 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.

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