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E-invoice error explained

BR-DE-24: Card payment without matching card data

Codes 48 (bank card), 54 (credit card) and 55 (debit card) mean payment by card.

What the rule checks

Codes 48 (bank card), 54 (credit card) and 55 (debit card) mean payment by card. Exactly one card data group (BG-18) must then be present (BR-DE-24-a). A bank account for transfers (BG-17) or direct debit data (BG-19) must not be included (BR-DE-24-b).

Official rule text

BR-DE-24-a: If BT-81 "Payment means type code" contains a code for card payment (48, 54, 55), exactly BG-18 "PAYMENT CARD INFORMATION" must be transmitted.
BR-DE-24-b: If BT-81 "Payment means type code" contains a code for card payment (48, 54, 55), BG-17 and BG-19 must not be transmitted.

Source: KoSIT configuration XRechnung 3.0.2 (31 Jan 2026).

Typical causes

  • Code 54 is set, but the card data is not exported.
  • The export writes your own IBAN on every invoice, including card payments.
  • The payment means code was mapped wrongly, for example 48 instead of 58.

How to fix it

Add ram:ApplicableTradeSettlementFinancialCard with ram:ID (only the last digits of the card number, never the full number) and optionally ram:CardholderName. Remove ram:PayeePartyCreditorFinancialAccount and any direct debit data. If the invoice is really paid by transfer, change the code to 58.

Example

Wrong (CII)

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>54</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE02120300000000202051</ram:IBANID>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Right (CII)

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>54</ram:TypeCode>
  <ram:ApplicableTradeSettlementFinancialCard>
    <ram:ID>1234</ram:ID>
    <ram:CardholderName>Anna Beispiel</ram:CardholderName>
  </ram:ApplicableTradeSettlementFinancialCard>
</ram:SpecifiedTradeSettlementPaymentMeans>

In Dynamics 365, Business Central and Finance

Sales / Project Operations: Sales and Project Operations have no e-invoice output out of the box. In the WBS Invoice Accelerator for Dynamics 365 there is no card payment in the e-invoice. The Accelerator only writes code 58 with the IBAN from the brand profile.

Related error codes

All error codes

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