BR-DE-24-b:Payment code 48, 54, or 55 (card payment) must not include Credit Transfer...
Fix: Invoice Navigator automatically fixes this issue by correcting the `cac:PayeeFinancialAccount` element in your Invoice (BR-DE-24-b). Upload your invoice to fix this automatically.
Payment code 48, 54, or 55 (card payment) must not include Credit Transfer (BG-17) or Direct Debit (BG-19) sections.
Engine Classification
Ensure debited account ID is present for SEPA direct debit (code 59)
Confidence: 80% · Applied automatically in pipeline
What is BR-DE-24-b?
BR-DE-24-b is a fatal validation rule defined in the XRechnung (Germany) specification (DEU national rules). It validates the ID element under PaymentMandate > PayerFinancialAccount in the UBL invoice XML.
When this rule fires, the invoice is rejected by Peppol access points and never reaches the buyer.
Target path: //cac:PaymentMeans[cbc:PaymentMeansCode='59']/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID
Why This Error Matters
Invoice rejected. Conflicting payment methods cause processing errors.
BR-DE-24-b is a hard failure — the invoice must be corrected and re-sent before it can reach the recipient.
Invoice Navigator can automatically correct this error in your pipeline. The fix is applied with full audit evidence, so your compliance trail remains intact.
Validator Behavior
- ·Causes invoice rejection
- ·Rejected by XRechnung endpoints
- ·Error returned: BR-DE-24-b
- ·Specification: XRechnung (Germany)
How to Fix It
Find the missing or empty field
Check cbc:ID at //cac:PaymentMeans[cbc:PaymentMeansCode='59']/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID. This field is required but is either missing or empty.
Set the required value
Invoice Navigator automatically fixes this issue by correcting the `cac:PayeeFinancialAccount` element in your Invoice (BR-DE-24-b).
Re-validate your invoice
Upload the corrected invoice to confirm BR-DE-24-b is resolved.
Before / After
<cac:PaymentMeans> <cac:PayeeFinancialAccount>INVALID_CODE</cac:PayeeFinancialAccount> </cac:PaymentMeans>
<cac:PaymentMeans> <cac:PayeeFinancialAccount>VALID_CODE</cac:PayeeFinancialAccount> </cac:PaymentMeans>
Technical Reference
//cac:PaymentMeans[cbc:PaymentMeansCode='59']/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:IDCommon Causes
- ·Card payment has transfer or mandate details
- ·PaymentMeansCode 48/54/55 with BG-17 or BG-19 present
- ·Mixed payment types in single payment instruction
- ·Transfer/mandate sections not removed for card payment
- ·Template exports all payment sections regardless of type
Seeing this in production? The API handles BR-DE-24-b automatically. See the fix response →
Frequently Asked Questions
Payment code 48, 54, or 55 (card payment) must not include Credit Transfer (BG-17) or Direct Debit (BG-19) sections.
Invoice Navigator automatically fixes this issue by correcting the `cac:PayeeFinancialAccount` element in your Invoice (BR-DE-24-b). You can also use Invoice Navigator's compliance engine to correct this automatically in your pipeline.
Yes, BR-DE-24-b is a critical error that will cause invoice rejection. It must be fixed before submission.
Many instances of BR-DE-24-b can be automatically corrected using Invoice Navigator's compliance engine. The fix is applied in your pipeline with full audit evidence.
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Last updated: 14 April 2026
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