BR-DE-24-a

If the payment means is a card payment (BT-81 with code 48, 54 or 55), group BG-18 ("PAYMENT CARD INFORMATION") must be transmitted.

Severity: Error
Applies to: CII, UBL
Rule set: v2026-01-31

Official rule text

Wenn BT-81 "Payment means type code" einen Schlüssel für Kartenzahlungen enthält (48, 54, 55), muss genau BG-18 "PAYMENT CARD INFORMATION" übermittelt werden.

Why it happens

Card payment is rare in invoicing flows; when the code is set anyway (say, because payment was already taken by card), the matching group is almost always missing.

How to fix it

Transmit BG-18 with the masked card number (BT-87, last digits only — never the full PAN): cac:PaymentMeans/cac:CardAccount in UBL, ram:ApplicableTradeSettlementFinancialCard in CII.

NormAPI provides technical validation, not tax or legal advice.