UBL-CR-655: Remove the schemeID attribute from the payment service provider identifier

The short answer

UBL-CR-655 is a warning raised when the payment service provider identifier (cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID) carries a schemeID attribute. EN 16931 does not use the attribute there, so remove it and keep the element with its value.

The warning on its own does not make the document invalid, though other rules still check what is there. Removing the attribute keeps the XML inside the EN 16931 model, which is what a receiver maps the invoice from.

What the rule checks

The rule checks one thing: whether cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID carries a schemeID attribute. The attribute's value is not read, and the element itself is fine.

It runs once against the whole document, so it is reported once however many times the document has the attribute, and the finding points at the document root rather than at the element: look for cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID/@schemeID in the XML.

How an integration ends up here

Possible causes, from the shape of the rule rather than from measured usage:

• Scheme and list attributes (schemeID, listID and the like) are written on every identifier or code by default, including those where EN 16931 does not carry them.
• A general UBL 2.1 library writes every element and attribute it has a value for, whether or not EN 16931 uses it.
• A mapping built for another UBL-based document, such as an order, a despatch advice or a national profile, is reused for Peppol BIS Billing.

How to fix it

1. Stop writing the schemeID attribute on cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cbc:ID; keep the element and its value.
2. If you need the information, keep it in your own records: EN 16931 has no business term for it, so a receiver has no agreed place to read it from.
3. Validate again: the warning goes.

Validate your corrected invoice

Before and after

These are fragments, not complete documents. The complete synthetic documents they come from are linked below.

Fragment of the invoice with the warning: the schemeID attribute on the payment service provider identifier

<cac:FinancialInstitutionBranch>
  <cbc:ID schemeID="0088">EXAMPLE-BRANCH</cbc:ID>
</cac:FinancialInstitutionBranch>

Fragment of the corrected invoice: the same lines without it

<cac:FinancialInstitutionBranch>
  <cbc:ID>EXAMPLE-BRANCH</cbc:ID>
</cac:FinancialInstitutionBranch>

The invoice with the warning has <cbc:ID schemeID="0088">EXAMPLE-BRANCH</cbc:ID>, and the corrected invoice is the same document without it. It reports only this warning and is valid on every layer, so it would be accepted as it stands.

Where it applies

• Applies to UBL Invoice and CreditNote alike; the recorded example is an invoice.
• The warning comes from the EN 16931 layer's rules for the UBL syntax. In the recorded example the schema layer passes: the attribute is valid UBL 2.1 and is only outside the EN 16931 model.

Related rules

• Browse every rule in the reference
• Background: Understanding EN 16931 validation errors

Scope and source

Written for Peppol BIS Billing 3.0.21 (May 2026), EN 16931 1.3.16, as applied to UBL 2.1 Invoice and CreditNote documents. Other profiles, syntaxes and releases can define this identifier differently. Guidance version 2026-09-29.1: source checked 2026-09-29, explanation last updated 2026-09-29.

The official definition of UBL-CR-655 carries the normative wording and test. This page is our explanation of it, not a copy.

Guidance does not change the engine verdict. Fixing this finding does not mean the document passes every layer, and validation does not certify legal or tax compliance or transmit a document over Peppol.