What it means
This rule looks at the card account (cac:CardAccount) in the payment details of a UBL invoice or credit note. If it contains a chip application ID, the rule is triggered. That is a technical identifier of the application on a payment card's chip, and EN 16931 has no business term for it. For card payments it only carries part of the card number (BT-87) and the card holder name (BT-88).
Why it matters
EN 16931 does not use a card chip application ID in payment card information, so this element produces a warning.
How to fix it
Delete cbc:ChipApplicationID from cac:PaymentMeans/cac:CardAccount. Leave any partial card number (BT-87) and card holder name (BT-88) in place. If your invoicing software adds chip data, adjust the XML export to omit this element. Export again and recheck the file.
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 ChipApplicationID 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 |
Check your file
Drop your e-invoice to see whether UBL-CR-422 still fails, and which other rules do.
Related rules
- UBL-CR-424 An alias name for the payee bank account is not used
- UBL-CR-425 The type of the payee bank account is not used
- UBL-CR-426 The format code of the payee bank account is not used
- UBL-CR-427 The currency of the payee bank account is not used
- UBL-CR-428 A note on the payee bank account is not used
- UBL-CR-429 A bank branch name is not used in EN 16931 payment details