What it means
The payment card information (BG-18) describes the card used to pay: the card number (BT-87) and the card holder name (BT-88). The check counts the card accounts (cac:CardAccount) in the payment means of the whole invoice and allows at most one.
Why it matters
EN 16931 has room for one card account per invoice. A second one has no field to go into, so the recipient's checks reject the invoice.
How to fix it
In your invoicing software, check the payment details for a second card entry and remove it. If you build the XML yourself, keep one cac:CardAccount in cac:PaymentMeans across the whole invoice.
The rule as published
An Invoice shall contain maximum one Payment Card account (BG-18). Business terms: BG-18
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-SR-54 still fails, and which other rules do.
Related rules
- BR-DE-23-B Bank transfer payments must not carry card or debit details
- BR-DE-24-A Card payments need the payment card details
- BR-DE-25-B Direct debit payments must not carry transfer or card details
- CII-SR-495 An invoice can have only one payment card account
- DE-R-023-2 Bank transfer payments cannot include card or direct debit data
- DE-R-024-1 Card payments need payment card details