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Warning

UBL-CR-675: The card network identifier must not have a scheme attribute

In short

Warning: worth checking.

UBL-CR-675 means the card network identifier in the card payment details has a scheme attribute (schemeID), which EN 16931 does not use. It is a warning; remove the schemeID.

On this page

What it means

When an invoice is paid by payment card, the card details (cac:CardAccount) can include the card number (BT-87) and the card holder name (BT-88). UBL also has a network identifier there, cbc:NetworkID. EN 16931 gives it no scheme. This rule checks that cac:CardAccount/cbc:NetworkID has no schemeID attribute.

Why it matters

This is a warning. It is worth fixing when you can, especially if the same export is used for all your invoices.

How to fix it

Export again in the standard EN 16931 or Peppol BIS format, and update the software or ask its support if the attribute is still there. If you build the XML yourself, keep the text of cbc:NetworkID and delete its schemeID attribute.

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 NetworkID 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-675 still fails, and which other rules do.

Updated 6 November 2026