Rules / DE-R-020 · Markdown

Peppol BIS Billing 3.0 · rule

DE-R-020

Layer peppol·Checked against Peppol BIS Billing 3.0 2026.5

What does DE-R-020 mean? If both supplier and customer are located in Germany, the element "Debited account identifier" (BT-91) should contain a valid IBAN if code 59 SEPA is provided in "Payment means type code" (BT-81).

Why did my invoice fail DE-R-020?

On domestic German invoices, when the Payment means type code (BT-81) is 59 (SEPA direct debit), the Debited account identifier (BT-91) should contain a valid IBAN. The debit is drawn from this account, so it must be a well-formed IBAN. In UBL BT-91 is cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID.

Official rule text

If both supplier and customer are located in Germany, the element "Debited account identifier" (BT-91) should contain a valid IBAN if code 59 SEPA is provided in "Payment means type code" (BT-81).

Common causes

• A non-IBAN account number in the payer account field
• IBAN check-digit errors or embedded spaces
• Code 59 chosen even though no SEPA mandate/direct-debit setup exists

How do I fix it?

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>59</cbc:PaymentMeansCode>
  <cac:PaymentMandate>
    <cac:PayerFinancialAccount>
      <cbc:ID>DE75512108001245126199</cbc:ID>
    </cac:PayerFinancialAccount>
  </cac:PaymentMandate>
</cac:PaymentMeans>

Related rules

DE-R-001 · DE-R-002 · DE-R-003 · DE-R-004 · DE-R-005 · DE-R-006 · DE-R-007 · DE-R-008