Skip to content
Change language: English

Warning

UBL-CR-674: The payment card number must not have a scheme attribute

In short

Warning: worth checking.

UBL-CR-674 means the payment card number (BT-87) has a scheme attribute (schemeID), which EN 16931 does not use. It is a warning; remove the schemeID from the card number.

On this page

What it means

When an invoice is paid by payment card, it can show the card number (BT-87). In UBL that is cbc:PrimaryAccountNumberID inside cac:CardAccount. EN 16931 treats it as a plain value with no scheme. This rule checks that the element has no schemeID attribute.

Why it matters

This is a warning. The scheme has no matching field in EN 16931. It is worth fixing when your export adds it.

How to fix it

Export again in the standard EN 16931 or Peppol BIS format, and update the software if the attribute is still there. If you build the XML yourself, delete the schemeID attribute from cbc:PrimaryAccountNumberID.

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 PrimaryAccountNumberID schemeID

Where SI-UBL 2.0 / NLCIUS (invoice), SI-UBL 2.0 / NLCIUS (credit note) run it, the rule reads:

A UBL invoice should not include the PrimaryAccountNumber schemeID

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-674 still fails, and which other rules do.

Updated 6 November 2026