BR-DE-16

Payment account identifier (BT-84) required for credit transfer

What it means

When the payment means is a credit transfer / SEPA credit transfer (UNTDID 4461 code 30 or 58), the payee's account identifier (BT-84, the IBAN) must be present.

How to fix it

Add cac:PaymentMeans/cac:PayeeFinancialAccount/cbc:ID with the IBAN (and BT-85 the account holder name; BT-86 the BIC if needed).

# CLI
npx @eleata/validate-einvoice validate invoice.xml --format xrechnung-ubl

# GitHub Action — fail the build on any invalid invoice
- uses: hernaninverso/validate-einvoice-action@v1
  with:
    files: invoices/**/*.xml
    api-key: ${{ secrets.EINVOICE_API_KEY }}