DE-R-020
The element "Debited account identifier" (BT-91) should contain a valid IBAN if code 59 SEPA is provided in "Payment means type code" (BT-81).
What does this rule mean?
For a direct debit the debited IBAN (BT-91) is malformed.
When the payment means is a direct debit, BT-91 must be a well-formed IBAN.
- BT-81
- Payment means type code (UNTDID 4461)
- BT-91
- Debited account identifier
Official rule message (standard)
The element "Debited account identifier" (BT-91) should contain a valid IBAN if code 59 SEPA is provided in "Payment means type code" (BT-81).
Where the rule applies
Syntax: UBL
Affected element (XPath):
(/ubl-invoice:Invoice/cac:PaymentMeans[cbc:PaymentMeansCode = 59] | /ubl-creditnote:CreditNote/cac:PaymentMeans[cbc:PaymentMeansCode = 59])[$supplierCountryIsDE and $customerCountryIsDE]
Technical test
The rule passes when this Schematron expression holds true:
not(cbc:PaymentMeansCode = '59') or matches(normalize-space(replace(cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID, '([ \n\r\t\s])', '')), '^[A-Z]{2}[0-9]{2}[a-zA-Z0-9]{0,30}$') and xs:decimal(string-join(for $cp in string-to-codepoints(concat(substring(normalize-space(replace(cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID, '([ \n\r\t\s])', '')),5),upper-case(substring(normalize-space(replace(cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID, '([ \n\r\t\s])', '')),1,2)),substring(normalize-space(replace(cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID, '([ \n\r\t\s])', '')),3,2))) return (if($cp > 64) then string($cp - 55) else string($cp - 48)),'')) mod 97 = 1How to fix it
A missing or incorrect business entry only you can supply. Add or correct it, then re-check.
Correct the debited account IBAN.
Correct the affected entry in your XML, then re-check the invoice. Validation runs locally in your browser — your file never leaves your machine.
Check an e-invoice here
Drop an XML or ZUGFeRD PDF file here. Validation runs locally in your browser against EN 16931 — your file never leaves your machine.