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Error

FX-SCH-A-000291: A payment instruction can have only one text

In short

Error: fails the selected checks.

FX-SCH-A-000291 means a payment instruction contains more than one payment means text (ram:Information, BT-82). Join them into a single text and export the invoice again.

On this page

What it means

Each payment instruction (ram:SpecifiedTradeSettlementPaymentMeans) may contain at most one ram:Information element. It is the free text that explains the payment means (BT-82), such as a short description of how to pay. This check applies to all four Factur-X and ZUGFeRD profiles, EN 16931 and Extended.

Why it matters

The model has one place for this text in each payment instruction. A second text has nowhere to go, so the file does not follow the profile and the recipient's system can reject it.

How to fix it

Open the payment details in your invoicing software and keep one description, joining the wording if you had two. If you build the XML yourself, keep a single ram:Information inside ram:SpecifiedTradeSettlementPaymentMeans.

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:Information' may occur at maximum 1 times.

Where this rule applies

Rule set Version
Factur-X 1.09 EN 16931 1.0.9-2
Factur-X 1.09 EXTENDED 1.0.9-2
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-000291 still fails, and which other rules do.

Updated 5 November 2026