BR-DE-24-b

If the payment means is a card payment (BT-81 with code 48, 54 or 55), no credit-transfer data (BG-17) and no direct-debit data (BG-19) may 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), dürfen BG-17 und BG-19 nicht übermittelt werden.

Why it happens

As with BR-DE-23-b: the seller's own bank account is habitually written into every invoice, even when the chosen payment route is not a transfer at all.

How to fix it

With card payment, transmit BG-18 only. Leave out the usual payee IBAN (BG-17) for this invoice — or change the payment means code to 58 if it is actually to be paid by transfer.

NormAPI provides technical validation, not tax or legal advice.