# XV-AT-03

Source: https://xmlvalid.com/rules/XV-AT-03

> A SEPA direct debit needs Type, IBAN, BankAccountOwner, CreditorID, MandateReference and DebitCollectionDate for e-Rechnung.gv.at; missing: ….

- Level: error
- Rule sets: e-Rechnung.gv.at checks (ebInterface) Fehlerliste, October 2026
- Context: `/*:Invoice/*:PaymentMethod/*:SEPADirectDebit`
- Test: `every $f in ('Type', 'IBAN', 'BankAccountOwner', 'CreditorID', 'MandateReference', 'DebitCollectionDate') satisfies *[local-name() = $f][normalize-space(.) != '']`

Validate a document against these rules: https://xmlvalid.com/validate