Peppol BIS Billing 3.0 · rule

UBL-CR-197

Layer en16931·Checked against Peppol BIS Billing 3.0 2026.5

What does UBL-CR-197 mean? A UBL invoice should not include the AccountingSupplierParty Party FinancialAccount

Why did my invoice fail UBL-CR-197?

This EN 16931 rule warns when the UBL element cac:AccountingSupplierParty/cac:Party/cac:FinancialAccount is present: the invoice should not include a financial account nested under the seller party. Payment account details in EN 16931 belong in the payment instructions (BG-16): the credit transfer account (BG-17) under cac:PaymentMeans/cac:PayeeFinancialAccount, not under the party. The element is not forbidden by UBL itself, but it lies outside the EN 16931 core invoice model, so remove it to keep the invoice fully conformant and interoperable.

Official rule text

A UBL invoice should not include the AccountingSupplierParty Party FinancialAccount

Common causes

The seller's bank account was mapped to the party instead of cac:PaymentMeans
ERP exports bank master data together with the company record
Template based on a full UBL 2.1 Party example

How do I fix it?

<!-- the account belongs in PaymentMeans (BG-17), not under the Party -->
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>30</cbc:PaymentMeansCode>
  <cac:PayeeFinancialAccount>
    <cbc:ID>SI56 1910 0000 0123 438</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

Check your invoice against this rule

Paste it into the live demo, or call POST /v1/validate. See the quickstart.