# UBL-SR-54

> An Invoice shall contain maximum one Payment Card account (BG-18).

Checked against Peppol BIS Billing 3.0 2026.5

Canonical: https://einvoicecheck.eu/rules/ubl-sr-54

## Official rule text

An Invoice shall contain maximum one Payment Card account (BG-18).

## Why did my invoice fail UBL-SR-54?

The Payment card information group (BG-18) captures details of a card used for payment (BT-87 primary account number, BT-88 holder name) via cac:PaymentMeans/cac:CardAccount. EN 16931 allows at most one payment card account per invoice, so an invoice cannot describe payment by more than one card.

## Common causes

- More than one cac:CardAccount element appears across the PaymentMeans blocks.
- Duplicate PaymentMeans entries each carry a CardAccount.
- Card details for two cards were included on a single invoice.

## How do I fix it?

```
Keep only one card account: retain a single <cac:CardAccount><cbc:PrimaryAccountNumberID>************1234</cbc:PrimaryAccountNumberID>...</cac:CardAccount> and remove any additional ones.
```