Peppol BIS Billing 3.0 · rule

UBL-CR-677

Layer en16931·Checked against Peppol BIS Billing 3.0 2026.5

What does UBL-CR-677 mean? A UBL invoice should not include the PayerFinancialAccount/ID schemeID

Why did my invoice fail UBL-CR-677?

The schemeID attribute on cac:PayerFinancialAccount/cbc:ID should not be used in an EN 16931 UBL invoice. The debited account identifier (BT-91) is a plain identifier in the core model; a scheme qualifier is outside it and validators warn. Provide the IBAN or account number as element content without the attribute.

Official rule text

A UBL invoice should not include the PayerFinancialAccount/ID schemeID

Common causes

Serializer emits schemeID="IBAN" on financial account IDs
Reusing a full UBL 2.1 payment structure

How do I fix it?

<cac:PayerFinancialAccount>
  <cbc:ID>SI56011000000000123</cbc:ID>
</cac:PayerFinancialAccount>

Check your invoice against this rule

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