`BR-61`

EN 16931 · validation rule

EN 16931Error

The payment means code (BT-81) is a credit transfer (30, 58 or similar) but no payment account identifier (BT-84) is given. The sender must add cac:PayeeFinancialAccount/cbc:ID / ram:PayeePartyCreditorFinancialAccount/ram:IBANID with the IBAN or account number.

Field: payment.credit_transfers[].iban (BT-84)
Rule set: EN 16931
Rule-set version: EN 16931 validation artefacts 1.3.17 · in force since 2026-10-13 · Rule-set changelog
Who has to fix it: The sender

This is a property of the file you received, so it cannot be corrected on your side without changing the document — ask the supplier to reissue it.

Worked example · UBL

Code 30 (credit transfer) promises a bank transfer, so the account to pay into (BT-84) must be given in cac:PayeeFinancialAccount/cbc:ID.

Fails this rule

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>30</cbc:PaymentMeansCode>
  <cbc:PaymentID>Snippet1</cbc:PaymentID>
</cac:PaymentMeans>

Passes

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>30</cbc:PaymentMeansCode>
  <cbc:PaymentID>Snippet1</cbc:PaymentID>
  <cac:PayeeFinancialAccount>
    <cbc:ID>GB29NWBK60161331926819</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

Worked example · CII

Fails this rule

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:AccountName>Musterfirma GmbH</ram:AccountName>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Passes

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE79000000001234567890</ram:IBANID>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Check your own invoice

Drop the file that failed. We parse it, run the official rule sets against it and list every finding with a fix — 20 invoices per day, no key, nothing stored.

Open the live demo

Same explanation over the API: GET /v1/rules/BR-61?lang=en