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BR-DE-30 Direct debit requires the bank assigned creditor identifier

Under the German XRechnung profile, whenever an invoice specifies SEPA direct debit payment instructions (payment means type code BT-81 = 59), the seller party must declare the bank-assigned SEPA creditor identifier in BT-90 (Gläubiger-Identifikationsnummer). The SEPA creditor identifier (e.g. "DE98ZZZ09999999999" in Germany) is issued by national central banks (such as Deutsche Bundesbank) to authorize commercial entities to initiate SEPA core and B2B direct debit transactions. German public sector cash management systems (Bundeskasse, Landesoberkassen) cannot execute pre-authorized direct debit debits without verifying the creditor ID against the signed SEPA mandate.

Problem Description

Under the German XRechnung profile, whenever an invoice specifies SEPA direct debit payment instructions (payment means type code BT-81 = 59), the seller party must declare the bank-assigned SEPA creditor identifier in BT-90 (Gläubiger-Identifikationsnummer). The SEPA creditor identifier (e.g. "DE98ZZZ09999999999" in Germany) is issued by national central banks (such as Deutsche Bundesbank) to authorize commercial entities to initiate SEPA core and B2B direct debit transactions. German public sector cash management systems (Bundeskasse, Landesoberkassen) cannot execute pre-authorized direct debit debits without verifying the creditor ID against the signed SEPA mandate.

ERROR

XRechnung 3.0

Context and Significance

SEPA direct debit requires a signed mandate between creditor and debtor. Without BT-90, the direct debit collection instruction is legally invalid, causing immediate Schematron error BR-DE-30.

Solution

In your ERP banking or direct debit settings, configure your official SEPA creditor identifier (e.g. DE98ZZZ09999999999). In UBL 2.1 syntax, populate <cac:AccountingSupplierParty><cac:Party><cac:PartyIdentification><cbc:ID schemeID="SEPA">DE98ZZZ09999999999</cbc:ID></cac:PartyIdentification></cac:Party></cac:AccountingSupplierParty>. In UN/CEFACT CII syntax, populate <ram:SpecifiedTradePaymentTerms><ram:DirectDebitMandateID> or <ram:CreditorReferenceID> under <ram:ApplicableHeaderTradeSettlement>. If payment is made via bank credit transfer instead of direct debit, change BT-81 from code 59 to code 58 (SEPA credit transfer) or code 30.

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Valid Examples

  • Payment means code BT-81 = 59 with seller SEPA creditor identifier BT-90 = "DE98ZZZ09999999999" in PartyIdentification
  • Payment means code BT-81 = 58 (SEPA credit transfer) where BT-90 creditor ID is not required

Invalid Examples

  • Payment means specified as SEPA direct debit (code 59) but seller party contains no PartyIdentification with SEPA scheme or BT-90 value
  • Direct debit selected on an invoice where the creditor ID element is empty (<cbc:ID schemeID="SEPA"/>)

Code Examples

Valid XML
<cac:AccountingSupplierParty>
  <cac:Party>
    <cac:PartyIdentification>
      <cbc:ID schemeID="SEPA">DE98ZZZ09999999999</cbc:ID>
    </cac:PartyIdentification>
  </cac:Party>
</cac:AccountingSupplierParty>
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>59</cbc:PaymentMeansCode>
</cac:PaymentMeans>
Invalid XML
<cac:AccountingSupplierParty>
  <cac:Party>
    <cac:PartyName><cbc:Name>Lieferant GmbH</cbc:Name></cac:PartyName>
  </cac:Party>
</cac:AccountingSupplierParty>
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>59</cbc:PaymentMeansCode>
</cac:PaymentMeans>

Affected Fields

BG-19 Direct debit
BT-90 Bank assigned creditor identifier
BT-81 Payment means type code

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