BR-DE-20 — E-Invoice Validation Rule & Fix

Fixture ID: directDebitBadIban · XPath: /ubl:Invoice/cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID

1. Why This Rule Triggers (Diagnostic Message)

The payment means type code (BT-81) is "59" (SEPA direct debit), so the debited account identifier (BT-91) should be a valid IBAN — but "DE98700500001234567891" fails the ISO 7064 MOD-97-10 check digits. Positions 3 and 4 are a checksum over the rest of the number, so a single mistyped character makes them disagree. This matters more here than it does for your own account under BR-DE-19: a wrong IBAN on a credit transfer means nobody pays you, while a wrong IBAN on a direct debit means you attempt to collect from an account that is not the one on the mandate.

2. How to Fix BR-DE-20

Set payment.directDebit.debitedAccount to the IBAN written on the signed mandate. Do not retype it from a bank statement, and do not normalise it — take the stored value.

3. Valid Code / Payload Example

"directDebit": { "debitedAccount": "DE98700500001234567890" }