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Warning

UBL-CR-653: The payment reference should have no scheme attribute

In short

Warning: worth checking.

UBL-CR-653 means the payment reference (BT-83) has a schemeID attribute, which EN 16931 does not use. Remove the attribute and keep the reference.

On this page

What it means

This rule checks the payment reference (BT-83), the cbc:PaymentID inside cac:PaymentMeans, and flags it if it has a schemeID attribute. The payment reference is the text the buyer should quote with the payment, often the invoice number. EN 16931 treats it as plain text. This rule does not check the reference itself.

Why it matters

EN 16931 uses the payment reference without a schemeID attribute. This warning concerns the attribute rather than the reference text.

How to fix it

Remove schemeID from cbc:PaymentID inside cac:PaymentMeans and keep the reference text. If your software adds the attribute, ask its supplier to correct the export, then check the new file 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 PaymentID scheme identifier

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-653 still fails, and which other rules do.

Updated 6 November 2026