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Warning

UBL-CR-415: Payment card details should not include a card type code

In short

Warning: worth checking.

UBL-CR-415 means the UBL file gives the type of payment card (cac:CardAccount/cbc:CardTypeCode), which EN 16931 does not use. Remove it and export again.

On this page

What it means

The check looks at the payment instructions (BG-16) of the invoice or credit note and warns when the card account (cac:PaymentMeans/cac:CardAccount) contains cbc:CardTypeCode, a code for the type of card. In EN 16931 the payment card information (BG-18) only holds part of the card number (BT-87) and the card holder name (BT-88).

Why it matters

The EN 16931 payment card information does not include a card type code. This rule warns when cbc:CardTypeCode is included in cac:PaymentMeans/cac:CardAccount.

How to fix it

Delete cbc:CardTypeCode from cac:PaymentMeans/cac:CardAccount. Keep the permitted part of the card number (BT-87) and any card holder name (BT-88) in place. Export the corrected file and check it again.

Once the file is corrected, check it again for free: Validate an invoice against EN 16931

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

The rule as published

A UBL invoice should not include the PaymentMeans CardAccount CardTypeCode

Where this rule applies

Rule set Version
EN 16931 (UBL) 1.3.17
EN 16931 (UBL credit note) 1.3.17
XRechnung 3.0 (UBL) 3.0.2
XRechnung 3.0 (UBL credit note) 3.0.2
Peppol BIS Billing 3.0 (invoice) 2026.5
Peppol BIS Billing 3.0 (credit note) 2026.5
SI-UBL 2.0 / NLCIUS (invoice) 2.0.3.13
SI-UBL 2.0 / NLCIUS (credit note) 2.0.3.13
France CTC (UBL invoice) 1.4.0-04
France CTC (UBL credit note) 1.4.0-04
CIUS-RO UBL Invoice 1.0.9 1.0.9
CIUS-RO UBL Credit Note 1.0.9 1.0.9
Rule text from phive-rules 4.6.4.

Check your file

Drop your e-invoice to see whether UBL-CR-415 still fails, and which other rules do.

Updated 6 November 2026