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Error

FX-SCH-A-000194: Use at most one creditor account per payment instruction

In short

Error: fails the selected checks.

FX-SCH-A-000194 means one payment instruction contains more than one ram:PayeePartyCreditorFinancialAccount. Keep at most one creditor account block within that instruction, then export and check the file again.

On this page

What it means

Each ram:SpecifiedTradeSettlementPaymentMeans under ram:ApplicableHeaderTradeSettlement may contain at most one ram:PayeePartyCreditorFinancialAccount. For a bank transfer, the payment information concerns BG-16 and BG-17 and can include an account identifier (BT-84), such as an IBAN. This rule does not require the account block.

Why it matters

The profile allows each payment instruction to contain at most one creditor account block. This is a limit within that instruction, not an invoice-wide limit of one bank account.

How to fix it

Inspect the creditor account blocks inside the affected ram:SpecifiedTradeSettlementPaymentMeans. Remove duplicate blocks or retain the intended account if different accounts were placed in the same instruction. Do not remove accounts from other payment instructions solely to satisfy this rule. Export and check the corrected file again.

Once the file is corrected, check it again for free: Validate a ZUGFeRD invoice

Or fix the invoice in a form and download the corrected file, for 1 credit: Fix a rejected e-invoice Beta

The rule as published

Element 'ram:PayeePartyCreditorFinancialAccount' may occur at maximum 1 times.

Where this rule applies

Rule set Version
Factur-X 1.09 BASIC WL 1.0.9-2
Factur-X 1.09 BASIC 1.0.9-2
Factur-X 1.09 EN 16931 1.0.9-2
Factur-X 1.09 EXTENDED 1.0.9-2
ZUGFeRD 2.5 BASIC WL 2.5.2
ZUGFeRD 2.5 BASIC 2.5.2
ZUGFeRD 2.5 EN 16931 2.5.2
ZUGFeRD 2.5 EXTENDED 2.5.2
Rule text from phive-rules 4.6.4.

Check your file

Drop your e-invoice to see whether FX-SCH-A-000194 still fails, and which other rules do.

Updated 6 November 2026