# UBL-SR-46

> Payment means text shall occur maximum once

Checked against Peppol BIS Billing 3.0 2026.5

Canonical: https://einvoicecheck.eu/rules/ubl-sr-46

## Official rule text

Payment means text shall occur maximum once

## Why did my invoice fail UBL-SR-46?

The Payment terms (BG-16 / BT-20) is free-text describing conditions such as discounts or penalties, carried as cac:PaymentTerms/cbc:Note. EN 16931 allows the payment terms text to appear at most once. A single terms note avoids conflicting or duplicated conditions.

## Common causes

- More than one cac:PaymentTerms element with a cbc:Note is present.
- A cac:PaymentTerms block containing a Note was duplicated when adding a settlement discount.
- Concatenating terms from multiple sources produced separate Note elements instead of one.

## How do I fix it?

```
Consolidate into a single note: <cac:PaymentTerms><cbc:Note>Net 30 days; 2% discount if paid within 10 days</cbc:Note></cac:PaymentTerms>.
```