What it means
This rule warns if cac:PaymentMeans/cac:CreditAccount exists in a UBL invoice or credit note. This is separate from the bank transfer information (BG-17), where the payment account identifier (BT-84) belongs in cac:PayeeFinancialAccount/cbc:ID.
Why it matters
EN 16931 represents bank transfer account details in BG-17 rather than in cac:CreditAccount.
How to fix it
Delete cac:CreditAccount from cac:PaymentMeans. If you intend to give bank transfer details, put the destination account number or IBAN (BT-84) in cac:PayeeFinancialAccount/cbc:ID within the same cac:PaymentMeans. 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 CreditAccount 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-434 still fails, and which other rules do.
Related rules
- UBL-CR-435 A direct debit mandate type is not used
- UBL-CR-436 A maximum number of direct debit instructions is not used
- UBL-CR-437 A maximum direct debit amount is not used
- UBL-CR-438 A direct debit mandate signature ID is not used
- UBL-CR-439 A separate payer party in a direct debit mandate is not used
- UBL-CR-440 A name for the account to be debited is not used