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Warning

UBL-CR-416: Payment card details should not include a validity start date

In short

Warning: worth checking.

UBL-CR-416 means the UBL file gives the date a payment card became valid (cac:CardAccount/cbc:ValidityStartDate), 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:ValidityStartDate, the date from which the card is valid. 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 card's validity start date is not part of the EN 16931 payment card information. This rule warns when cbc:ValidityStartDate is included in cac:PaymentMeans/cac:CardAccount.

How to fix it

Delete cbc:ValidityStartDate 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 ValidityStartDate

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-416 still fails, and which other rules do.

Updated 6 November 2026