@stackforge-eu/factur-x 1.1.0 → 1.2.1

package/CHANGELOG.md

@@ -7,6 +7,57 @@ and this project adheres to [Semantic Versioning](https://semver.org/).
 
 ## [Unreleased]
 
+## [1.2.1] — 2026-08-27
+
+- Expanded npm `keywords` (e.g. `e-rechnung`, `pdfa`, `chorus-pro`, `un-cefact`,
+  spelling variants) so the package is easier to find on npm. No code changes.
+
+## [1.2.0] — 2026-07-11
+
+- **Updated to Factur-X 1.09 / ZUGFeRD 2.5** (spec dated 2026-06-10). Factur-X
+  1.09 keeps the same UN/CEFACT CII **D22B** syntax, namespaces, and profile URNs
+  (`urn:factur-x.eu:1p0:*`) as 1.08, so this is a backward-compatible refresh:
+  XML produced by previous versions remains valid, and no input/output changes
+  are required.
+  - Bundled XSD schemas under `schema/` swapped to the official 1.09 set
+    (filenames normalized to the repo convention, internal `schemaLocation`
+    references rewritten to match). For MINIMUM / BASIC WL / BASIC / EN 16931 the
+    XSDs are content-identical to 1.08; the EXTENDED XSD gains only **optional**
+    additions (debited-account name, financial adjustment / charges on behalf of
+    a third party, an optional `listID` attribute on the allowance/charge reason
+    code).
+  - Reference `.sch` (Schematron) and `_codedb.xml` files updated to the 1.09
+    code lists and CEN validation rules (effective 2026-05-15). These are not
+    shipped in the npm package and not used at runtime — this library performs
+    XSD validation only.
+  - Documentation and code comments updated from "1.08 / 2.4" to "1.09 / 2.5".
+
+- **New optional EXTENDED-profile input fields** for selected Factur-X 1.09
+  business terms (all additive, only emitted at `Profile.EXTENDED`):
+  - `PaymentInput.debtorAccountName` (BT-216) and `PaymentInput.debtorBic`
+    (BT-215) — debited-account name and its payment service provider BIC.
+  - `AllowanceChargeInput.exemptionReason` / `exemptionReasonCode`
+    (BT-173–176) — VAT exemption reason/code on document-level allowances and
+    charges.
+  - `FacturXInvoiceInput.financialAdjustments` (BG-34, new
+    `FinancialAdjustmentInput` with `reason` BT-180 + `amount` BT-179) —
+    charges collected on behalf of a third party.
+  - `InvoiceLineInput.manufacturer` (BG-X-94) — line-level product manufacturer
+    party (`ram:ManufacturerTradeParty`).
+  - Remaining 1.09 EXTENDED terms (e.g. document-level non-VAT tax codes,
+    logistic-service-charge exemption reasons) are still not emitted and can be
+    added later without breaking changes.
+
+- **Fixed:** `ram:FormattedIssueDateTime` now emits a `qdt:DateTimeString` child
+  instead of `udt:DateTimeString`. It is typed as `qdt:FormattedDateTimeType` in
+  the CII XSD, so the previous `udt:` prefix failed XSD/Schematron validation for
+  every credit note or cancellation invoice referencing a dated preceding
+  invoice ([#5](https://github.com/StackForge-EU/factur-x/issues/5)).
+- **Fixed:** XSD validation no longer exhausts libxml2's fixed-size input-callback
+  table. `validateXsd` now clears the table on each call, so validating many
+  documents in one process no longer causes spurious failures once ~15
+  validations have run.
+
 ## [1.1.0] — 2026-05-27
 
 - **BREAKING:** Every `ram:GlobalID` and the legal-organization `ram:ID` now
@@ -24,12 +75,12 @@ and this project adheres to [Semantic Versioning](https://semver.org/).
     `ram:GlobalID` had the same defect as the party one)
   - `LegalOrganizationInput.schemeID?: string` added (optional, mirrors the
     conditional spec rule)
-  Migration: `globalId: "4000001000005"` →
-  `globalId: { value: "4000001000005", schemeID: "0088" }` (and the analogous
-  rewrite for `standardIdentifier`). The new `IdentifierWithSchemeInput` type
-  is exported from `src/index.ts`. Regression test added in
-  `tests/xsd-validator.test.ts` that drives all three schemed identifiers
-  through the EN16931 XSD in one go (thanks @sco-indy, #4).
+    Migration: `globalId: "4000001000005"` →
+    `globalId: { value: "4000001000005", schemeID: "0088" }` (and the analogous
+    rewrite for `standardIdentifier`). The new `IdentifierWithSchemeInput` type
+    is exported from `src/index.ts`. Regression test added in
+    `tests/xsd-validator.test.ts` that drives all three schemed identifiers
+    through the EN16931 XSD in one go (thanks @sco-indy, #4).
 
 ## [1.0.8] — 2026-05-27
 
@@ -76,7 +127,7 @@ and this project adheres to [Semantic Versioning](https://semver.org/).
   debtor account last. Any invoice combining a SEPA direct debit
   (`payment.meansCode = "59"`) with `payment.debtorIban` plus a payee
   IBAN/BIC failed XSD validation with `Element 'PayerPartyDebtorFinancialAccount':
-  This element is not expected`. Reordered the three blocks in
+This element is not expected`. Reordered the three blocks in
   `src/core/xml-builder.ts`; regression test added in
   `tests/xml-builder.test.ts`.
 
@@ -153,6 +204,8 @@ and this project adheres to [Semantic Versioning](https://semver.org/).
 - Deno compatibility test suite
 
 [Unreleased]: https://github.com/StackForge-EU/factur-x/commits/main
+[1.2.1]: https://github.com/StackForge-EU/factur-x/compare/v1.2.0...v1.2.1
+[1.2.0]: https://github.com/StackForge-EU/factur-x/compare/v1.1.0...v1.2.0
 [1.1.0]: https://github.com/StackForge-EU/factur-x/compare/v1.0.8...v1.1.0
 [1.0.8]: https://github.com/StackForge-EU/factur-x/compare/v1.0.7...v1.0.8
 [1.0.7]: https://github.com/StackForge-EU/factur-x/compare/v1.0.6...v1.0.7

package/README.md

@@ -13,7 +13,7 @@
 This TypeScript/Node.js package takes a simple, typed invoice input object and:
 
 1. Validates it against profile requirements
-2. Generates UN/CEFACT CII XML (Factur-X 1.08 / ZUGFeRD 2.4)
+2. Generates UN/CEFACT CII XML (Factur-X 1.09 / ZUGFeRD 2.5)
 3. Validates the XML against official XSD schemas (via WASM)
 4. Embeds it into a PDF with PDF/A-3b metadata
 5. Or outputs standalone XRechnung XML for German B2G use
@@ -68,8 +68,8 @@ import { embedFacturX, Profile } from "jsr:@stackforge-eu/factur-x";
 
 | Flavor              | Region      | Output   | Notes                         |
 | ------------------- | ----------- | -------- | ----------------------------- |
-| `Flavor.FACTUR_X`   | France / EU | PDF/A-3  | Default, Factur-X 1.08        |
-| `Flavor.ZUGFERD`    | Germany     | PDF/A-3  | ZUGFeRD 2.4 (= Factur-X 1.08) |
+| `Flavor.FACTUR_X`   | France / EU | PDF/A-3  | Default, Factur-X 1.09        |
+| `Flavor.ZUGFERD`    | Germany     | PDF/A-3  | ZUGFeRD 2.5 (= Factur-X 1.09) |
 | `Flavor.XRECHNUNG`  | Germany B2G | XML only | PEPPOL business process       |
 | `Flavor.CHRONO_PRO` | Belgium     | PDF/A-3  | Chrono Pro conventions        |
 

package/dist/index.cjs

@@ -235,7 +235,7 @@ var FLAVOR_CONFIGS = {
     defaultTypeCode: "380" /* COMMERCIAL_INVOICE */,
     attachmentFilename: "factur-x.xml",
     embedInPdf: true,
-    description: "German electronic invoice format. ZUGFeRD 2.4 uses factur-x.xml."
+    description: "German electronic invoice format. ZUGFeRD 2.5 uses factur-x.xml."
   },
   ["xrechnung" /* XRECHNUNG */]: {
     name: "XRechnung",
@@ -312,7 +312,8 @@ function tag(name, content, attrs) {
   return `<${name}${a}>${content}</${name}>`;
 }
 function dateEl(wrapper, isoDate) {
-  return tag(wrapper, tag("udt:DateTimeString", formatDate(isoDate), { format: "102" }));
+  const child = wrapper === "ram:FormattedIssueDateTime" ? "qdt:DateTimeString" : "udt:DateTimeString";
+  return tag(wrapper, tag(child, formatDate(isoDate), { format: "102" }));
 }
 function buildAddress(addr) {
   let x = "";
@@ -393,6 +394,8 @@ function buildLineItem(line, profile) {
   if (line.description) prod += tag("ram:Description", escapeXml(line.description));
   if (line.originCountry && atLeast(profile, "EN16931" /* EN16931 */))
     prod += tag("ram:OriginTradeCountry", tag("ram:ID", escapeXml(line.originCountry)));
+  if (line.manufacturer && atLeast(profile, "EXTENDED" /* EXTENDED */))
+    prod += tag("ram:ManufacturerTradeParty", buildParty(line.manufacturer, profile));
   let agree = "";
   if (line.buyerOrderLineId && atLeast(profile, "EN16931" /* EN16931 */))
     agree += tag(
@@ -427,7 +430,7 @@ function buildLineItem(line, profile) {
     tag("ram:AssociatedDocumentLineDocument", doc) + tag("ram:SpecifiedTradeProduct", prod) + tag("ram:SpecifiedLineTradeAgreement", agree) + tag("ram:SpecifiedLineTradeDelivery", delivery) + tag("ram:SpecifiedLineTradeSettlement", settle)
   );
 }
-function buildAllowanceCharge(ac) {
+function buildAllowanceCharge(ac, profile) {
   let x = tag("ram:ChargeIndicator", tag("udt:Indicator", ac.isCharge ? "true" : "false"));
   if (ac.percent !== void 0) x += tag("ram:CalculationPercent", ac.percent.toString());
   if (ac.baseAmount !== void 0) x += tag("ram:BasisAmount", fmtAmt(ac.baseAmount));
@@ -435,8 +438,13 @@ function buildAllowanceCharge(ac) {
   if (ac.reasonCode) x += tag("ram:ReasonCode", escapeXml(ac.reasonCode));
   if (ac.reason) x += tag("ram:Reason", escapeXml(ac.reason));
   if (ac.vatCategoryCode || ac.vatRatePercent !== void 0) {
+    const extended = atLeast(profile, "EXTENDED" /* EXTENDED */);
     let tx = tag("ram:TypeCode", "VAT");
+    if (extended && ac.exemptionReason)
+      tx += tag("ram:ExemptionReason", escapeXml(ac.exemptionReason));
     if (ac.vatCategoryCode) tx += tag("ram:CategoryCode", escapeXml(ac.vatCategoryCode));
+    if (extended && ac.exemptionReasonCode)
+      tx += tag("ram:ExemptionReasonCode", escapeXml(ac.exemptionReasonCode));
     if (ac.vatRatePercent !== void 0)
       tx += tag("ram:RateApplicablePercent", ac.vatRatePercent.toString());
     x += tag("ram:CategoryTradeTax", tx);
@@ -604,11 +612,12 @@ function buildXml(input, profile, flavor) {
     sett += tag("ram:PayeeTradeParty", buildParty(input.payee, profile));
   if (payment?.meansCode && atLeast(profile, "BASIC_WL" /* BASIC_WL */)) {
     let pm = tag("ram:TypeCode", escapeXml(payment.meansCode));
-    if (payment.debtorIban)
-      pm += tag(
-        "ram:PayerPartyDebtorFinancialAccount",
-        tag("ram:IBANID", escapeXml(payment.debtorIban))
-      );
+    if (payment.debtorIban) {
+      let dacct = tag("ram:IBANID", escapeXml(payment.debtorIban));
+      if (payment.debtorAccountName && atLeast(profile, "EXTENDED" /* EXTENDED */))
+        dacct += tag("ram:AccountName", escapeXml(payment.debtorAccountName));
+      pm += tag("ram:PayerPartyDebtorFinancialAccount", dacct);
+    }
     if (payment.iban || payment.accountId || payment.accountName) {
       let acct = "";
       if (payment.iban) acct += tag("ram:IBANID", escapeXml(payment.iban));
@@ -617,6 +626,11 @@ function buildXml(input, profile, flavor) {
         acct += tag("ram:AccountName", escapeXml(payment.accountName));
       pm += tag("ram:PayeePartyCreditorFinancialAccount", acct);
     }
+    if (payment.debtorBic && atLeast(profile, "EXTENDED" /* EXTENDED */))
+      pm += tag(
+        "ram:PayerSpecifiedDebtorFinancialInstitution",
+        tag("ram:BICID", escapeXml(payment.debtorBic))
+      );
     if (payment.bic && atLeast(profile, "EN16931" /* EN16931 */))
       pm += tag(
         "ram:PayeeSpecifiedCreditorFinancialInstitution",
@@ -634,7 +648,7 @@ function buildXml(input, profile, flavor) {
     sett += tag("ram:BillingSpecifiedPeriod", bp);
   }
   if (input.allowancesCharges && atLeast(profile, "BASIC_WL" /* BASIC_WL */))
-    for (const ac of input.allowancesCharges) sett += buildAllowanceCharge(ac);
+    for (const ac of input.allowancesCharges) sett += buildAllowanceCharge(ac, profile);
   const dueDate = payment?.dueDate ?? doc.dueDate;
   if (atLeast(profile, "BASIC_WL" /* BASIC_WL */) && (payment?.termsDescription || dueDate || payment?.mandateId)) {
     let pt = "";
@@ -645,6 +659,14 @@ function buildXml(input, profile, flavor) {
     sett += tag("ram:SpecifiedTradePaymentTerms", pt);
   }
   sett += buildMonetarySummation(totals, profile);
+  if (input.financialAdjustments && atLeast(profile, "EXTENDED" /* EXTENDED */)) {
+    for (const fa of input.financialAdjustments) {
+      sett += tag(
+        "ram:SpecifiedFinancialAdjustment",
+        tag("ram:Reason", escapeXml(fa.reason)) + tag("ram:ActualAmount", fmtAmt(fa.amount))
+      );
+    }
+  }
   if (input.references && atLeast(profile, "BASIC_WL" /* BASIC_WL */)) {
     for (const ref of input.references) {
       if (ref.type === "preceding") {
@@ -1077,25 +1099,43 @@ async function validateXsd(xml, profile, options) {
     XsdValidator,
     XmlValidateError,
     xmlRegisterInputProvider,
-    XmlBufferInputProvider
+    xmlCleanupInputProvider,
+    openBuffer,
+    readBuffer,
+    closeBuffer
   } = await import('libxml2-wasm');
   const schemaDir = path__namespace.dirname(xsdPath);
   const files = fs__namespace.readdirSync(schemaDir).filter((f) => f.endsWith(".xsd"));
   const buffers = {};
   for (const file of files) {
-    const filePath = path__namespace.join(schemaDir, file);
-    buffers[filePath] = fs__namespace.readFileSync(filePath);
-    buffers[`file://${filePath}`] = buffers[filePath];
-    buffers[file] = buffers[filePath];
-  }
-  const provider = new XmlBufferInputProvider(buffers);
-  xmlRegisterInputProvider(provider);
+    buffers[file] = fs__namespace.readFileSync(path__namespace.join(schemaDir, file));
+  }
+  const schemaFileFor = (requested) => {
+    const start = Math.max(requested.lastIndexOf("/"), requested.lastIndexOf("\\")) + 1;
+    const segment = requested.slice(start);
+    let name = segment;
+    try {
+      name = decodeURIComponent(segment);
+    } catch {
+    }
+    return files.includes(name) ? name : void 0;
+  };
+  xmlCleanupInputProvider();
+  xmlRegisterInputProvider({
+    match: (filename) => schemaFileFor(filename) !== void 0,
+    open: (filename) => openBuffer(buffers[schemaFileFor(filename)]),
+    read: readBuffer,
+    close: (fd) => {
+      closeBuffer(fd);
+      return true;
+    }
+  });
   let xsdDoc;
   let validator;
   let xmlDoc;
   try {
     const xsdContent = fs__namespace.readFileSync(xsdPath, "utf-8");
-    xsdDoc = XmlDocument.fromString(xsdContent, { url: `file://${xsdPath}` });
+    xsdDoc = XmlDocument.fromString(xsdContent, { url: url.pathToFileURL(xsdPath).href });
     validator = XsdValidator.fromDoc(xsdDoc);
     xmlDoc = XmlDocument.fromString(xml);
     validator.validate(xmlDoc);
@@ -1117,6 +1157,7 @@ async function validateXsd(xml, profile, options) {
     xmlDoc?.dispose();
     validator?.dispose();
     xsdDoc?.dispose();
+    xmlCleanupInputProvider();
   }
 }
 var AF_RELATIONSHIP_MAP = {
@@ -1366,7 +1407,7 @@ async function embedFacturX(options) {
   const xmlBytes = new TextEncoder().encode(xml);
   const afRel = resolveAfRelationship(profile, options.afRelationship);
   await pdfDoc.attach(xmlBytes, flavorConfig.attachmentFilename, {
-    mimeType: "text/xml",
+    mimeType: "application/xml",
     afRelationship: afRel,
     description: "Factur-X Invoice"
   });

package/dist/index.d.cts

@@ -633,6 +633,14 @@ interface InvoiceLineInput {
      * @since EN16931
      */
     buyerOrderLineId?: string;
+    /**
+     * Product manufacturer of this line item. Uses the standard trade-party
+     * shape; only id/globalId (BT-X-600), name (BT-X-598), and postal address
+     * (BG-X-93) are typically relevant.
+     * @see Factur-X EXTENDED BG-X-94, Factur-X 1.09
+     * @since EXTENDED
+     */
+    manufacturer?: TradePartyInput;
 }
 /**
  * Allowance or charge at header or line level.
@@ -666,6 +674,18 @@ interface AllowanceChargeInput {
     vatCategoryCode?: VatCategoryCode | (string & Record<never, never>);
     /** VAT rate for this allowance/charge */
     vatRatePercent?: number;
+    /**
+     * VAT exemption reason text for this document-level allowance/charge.
+     * @see Factur-X EXTENDED BT-173 (allowance) / BT-175 (charge), Factur-X 1.09
+     * @since EXTENDED
+     */
+    exemptionReason?: string;
+    /**
+     * VAT exemption reason code for this document-level allowance/charge.
+     * @see Factur-X EXTENDED BT-174 (allowance) / BT-176 (charge), Factur-X 1.09
+     * @since EXTENDED
+     */
+    exemptionReasonCode?: string;
 }
 /**
  * Payment information.
@@ -726,6 +746,22 @@ interface PaymentInput {
      * @see EN 16931 BT-91
      */
     debtorIban?: string;
+    /**
+     * Debtor account name (holder of the debited account). Only emitted when
+     * {@link PaymentInput.debtorIban} is also set, since the CII schema requires
+     * the IBAN on the debtor account element.
+     * @see Factur-X EXTENDED BT-216 ("Debited account name", Factur-X 1.09)
+     * @since EXTENDED
+     */
+    debtorAccountName?: string;
+    /**
+     * BIC/SWIFT of the debtor's payment service provider (the debited account's
+     * financial institution).
+     * @see Factur-X EXTENDED BT-215 ("Debited account payment service provider
+     *   identifier", Factur-X 1.09)
+     * @since EXTENDED
+     */
+    debtorBic?: string;
     /**
      * Payment terms description (free text).
      * @see EN 16931 BT-20
@@ -974,6 +1010,30 @@ interface FacturXInvoiceInput {
      * @since BASIC_WL
      */
     sellerTaxRepresentative?: TradePartyInput;
+    /**
+     * Charges collected on behalf of a third party (document level).
+     * @see Factur-X EXTENDED BG-34, Factur-X 1.09
+     * @since EXTENDED
+     */
+    financialAdjustments?: FinancialAdjustmentInput[];
+}
+/**
+ * A charge collected on behalf of a third party.
+ *
+ * @see Factur-X EXTENDED BG-34 (`ram:SpecifiedFinancialAdjustment`), Factur-X 1.09
+ * @since EXTENDED
+ */
+interface FinancialAdjustmentInput {
+    /**
+     * Specification of the charge collected on behalf of a third party.
+     * @see Factur-X EXTENDED BT-180
+     */
+    reason: string;
+    /**
+     * Charge amount collected on behalf of a third party.
+     * @see Factur-X EXTENDED BT-179
+     */
+    amount: number;
 }
 
 /**
@@ -1094,7 +1154,7 @@ declare function escapeXml(value: string): string;
 /**
  * Builds a UN/CEFACT CrossIndustryInvoice XML string from structured input.
  *
- * The output conforms to the Factur-X 1.08 / ZUGFeRD 2.4 CII schema at the
+ * The output conforms to the Factur-X 1.09 / ZUGFeRD 2.5 CII schema at the
  * requested {@link Profile} level. Elements that do not belong to the chosen
  * profile are silently omitted.
  *
@@ -1452,4 +1512,4 @@ interface XRechnungResult {
  */
 declare function toXRechnung(input: FacturXInvoiceInput, options?: XRechnungOptions): XRechnungResult;
 
-export { type AddressInput, type AllowanceChargeInput, type BillingPeriodInput, type ContactInput, type DeliveryInput, type DocumentReferenceInput, DocumentTypeCode, type EmbedOptions, type EmbedResult, type ExtractOptions, type ExtractResult, FLAVOR_CONFIGS, FLAVOR_DEFAULT_TYPE_CODES, type FacturXInvoiceInput, Flavor, type FlavorConfig, type IdentifierWithSchemeInput, type InvoiceDocumentInput, type InvoiceLineInput, type InvoiceTotalsInput, type LegalOrganizationInput, type NoteInput, PROFILE_MAIN_XSD, PROFILE_SCHEMA_DIRS, PROFILE_URNS, type PaymentInput, Profile, type TaxRegistrationInput, type TradePartyInput, UnitCode, type ValidationError, type ValidationResult, type VatBreakdownInput, VatCategoryCode, XRECHNUNG_PROFILE_URN, type XRechnungOptions, type XRechnungResult, type XsdValidateOptions, type XsdValidationError, type XsdValidationResult, buildXml, embedFacturX, escapeXml, extractXml, getFlavorConfig, resolveBusinessProcessUrn, resolveTypeCode, toXRechnung, validateFlavorProfile, validateInput, validateXsd };
+export { type AddressInput, type AllowanceChargeInput, type BillingPeriodInput, type ContactInput, type DeliveryInput, type DocumentReferenceInput, DocumentTypeCode, type EmbedOptions, type EmbedResult, type ExtractOptions, type ExtractResult, FLAVOR_CONFIGS, FLAVOR_DEFAULT_TYPE_CODES, type FacturXInvoiceInput, type FinancialAdjustmentInput, Flavor, type FlavorConfig, type IdentifierWithSchemeInput, type InvoiceDocumentInput, type InvoiceLineInput, type InvoiceTotalsInput, type LegalOrganizationInput, type NoteInput, PROFILE_MAIN_XSD, PROFILE_SCHEMA_DIRS, PROFILE_URNS, type PaymentInput, Profile, type TaxRegistrationInput, type TradePartyInput, UnitCode, type ValidationError, type ValidationResult, type VatBreakdownInput, VatCategoryCode, XRECHNUNG_PROFILE_URN, type XRechnungOptions, type XRechnungResult, type XsdValidateOptions, type XsdValidationError, type XsdValidationResult, buildXml, embedFacturX, escapeXml, extractXml, getFlavorConfig, resolveBusinessProcessUrn, resolveTypeCode, toXRechnung, validateFlavorProfile, validateInput, validateXsd };

package/dist/index.d.ts

@@ -633,6 +633,14 @@ interface InvoiceLineInput {
      * @since EN16931
      */
     buyerOrderLineId?: string;
+    /**
+     * Product manufacturer of this line item. Uses the standard trade-party
+     * shape; only id/globalId (BT-X-600), name (BT-X-598), and postal address
+     * (BG-X-93) are typically relevant.
+     * @see Factur-X EXTENDED BG-X-94, Factur-X 1.09
+     * @since EXTENDED
+     */
+    manufacturer?: TradePartyInput;
 }
 /**
  * Allowance or charge at header or line level.
@@ -666,6 +674,18 @@ interface AllowanceChargeInput {
     vatCategoryCode?: VatCategoryCode | (string & Record<never, never>);
     /** VAT rate for this allowance/charge */
     vatRatePercent?: number;
+    /**
+     * VAT exemption reason text for this document-level allowance/charge.
+     * @see Factur-X EXTENDED BT-173 (allowance) / BT-175 (charge), Factur-X 1.09
+     * @since EXTENDED
+     */
+    exemptionReason?: string;
+    /**
+     * VAT exemption reason code for this document-level allowance/charge.
+     * @see Factur-X EXTENDED BT-174 (allowance) / BT-176 (charge), Factur-X 1.09
+     * @since EXTENDED
+     */
+    exemptionReasonCode?: string;
 }
 /**
  * Payment information.
@@ -726,6 +746,22 @@ interface PaymentInput {
      * @see EN 16931 BT-91
      */
     debtorIban?: string;
+    /**
+     * Debtor account name (holder of the debited account). Only emitted when
+     * {@link PaymentInput.debtorIban} is also set, since the CII schema requires
+     * the IBAN on the debtor account element.
+     * @see Factur-X EXTENDED BT-216 ("Debited account name", Factur-X 1.09)
+     * @since EXTENDED
+     */
+    debtorAccountName?: string;
+    /**
+     * BIC/SWIFT of the debtor's payment service provider (the debited account's
+     * financial institution).
+     * @see Factur-X EXTENDED BT-215 ("Debited account payment service provider
+     *   identifier", Factur-X 1.09)
+     * @since EXTENDED
+     */
+    debtorBic?: string;
     /**
      * Payment terms description (free text).
      * @see EN 16931 BT-20
@@ -974,6 +1010,30 @@ interface FacturXInvoiceInput {
      * @since BASIC_WL
      */
     sellerTaxRepresentative?: TradePartyInput;
+    /**
+     * Charges collected on behalf of a third party (document level).
+     * @see Factur-X EXTENDED BG-34, Factur-X 1.09
+     * @since EXTENDED
+     */
+    financialAdjustments?: FinancialAdjustmentInput[];
+}
+/**
+ * A charge collected on behalf of a third party.
+ *
+ * @see Factur-X EXTENDED BG-34 (`ram:SpecifiedFinancialAdjustment`), Factur-X 1.09
+ * @since EXTENDED
+ */
+interface FinancialAdjustmentInput {
+    /**
+     * Specification of the charge collected on behalf of a third party.
+     * @see Factur-X EXTENDED BT-180
+     */
+    reason: string;
+    /**
+     * Charge amount collected on behalf of a third party.
+     * @see Factur-X EXTENDED BT-179
+     */
+    amount: number;
 }
 
 /**
@@ -1094,7 +1154,7 @@ declare function escapeXml(value: string): string;
 /**
  * Builds a UN/CEFACT CrossIndustryInvoice XML string from structured input.
  *
- * The output conforms to the Factur-X 1.08 / ZUGFeRD 2.4 CII schema at the
+ * The output conforms to the Factur-X 1.09 / ZUGFeRD 2.5 CII schema at the
  * requested {@link Profile} level. Elements that do not belong to the chosen
  * profile are silently omitted.
  *
@@ -1452,4 +1512,4 @@ interface XRechnungResult {
  */
 declare function toXRechnung(input: FacturXInvoiceInput, options?: XRechnungOptions): XRechnungResult;
 
-export { type AddressInput, type AllowanceChargeInput, type BillingPeriodInput, type ContactInput, type DeliveryInput, type DocumentReferenceInput, DocumentTypeCode, type EmbedOptions, type EmbedResult, type ExtractOptions, type ExtractResult, FLAVOR_CONFIGS, FLAVOR_DEFAULT_TYPE_CODES, type FacturXInvoiceInput, Flavor, type FlavorConfig, type IdentifierWithSchemeInput, type InvoiceDocumentInput, type InvoiceLineInput, type InvoiceTotalsInput, type LegalOrganizationInput, type NoteInput, PROFILE_MAIN_XSD, PROFILE_SCHEMA_DIRS, PROFILE_URNS, type PaymentInput, Profile, type TaxRegistrationInput, type TradePartyInput, UnitCode, type ValidationError, type ValidationResult, type VatBreakdownInput, VatCategoryCode, XRECHNUNG_PROFILE_URN, type XRechnungOptions, type XRechnungResult, type XsdValidateOptions, type XsdValidationError, type XsdValidationResult, buildXml, embedFacturX, escapeXml, extractXml, getFlavorConfig, resolveBusinessProcessUrn, resolveTypeCode, toXRechnung, validateFlavorProfile, validateInput, validateXsd };
+export { type AddressInput, type AllowanceChargeInput, type BillingPeriodInput, type ContactInput, type DeliveryInput, type DocumentReferenceInput, DocumentTypeCode, type EmbedOptions, type EmbedResult, type ExtractOptions, type ExtractResult, FLAVOR_CONFIGS, FLAVOR_DEFAULT_TYPE_CODES, type FacturXInvoiceInput, type FinancialAdjustmentInput, Flavor, type FlavorConfig, type IdentifierWithSchemeInput, type InvoiceDocumentInput, type InvoiceLineInput, type InvoiceTotalsInput, type LegalOrganizationInput, type NoteInput, PROFILE_MAIN_XSD, PROFILE_SCHEMA_DIRS, PROFILE_URNS, type PaymentInput, Profile, type TaxRegistrationInput, type TradePartyInput, UnitCode, type ValidationError, type ValidationResult, type VatBreakdownInput, VatCategoryCode, XRECHNUNG_PROFILE_URN, type XRechnungOptions, type XRechnungResult, type XsdValidateOptions, type XsdValidationError, type XsdValidationResult, buildXml, embedFacturX, escapeXml, extractXml, getFlavorConfig, resolveBusinessProcessUrn, resolveTypeCode, toXRechnung, validateFlavorProfile, validateInput, validateXsd };

package/dist/index.js

@@ -1,6 +1,6 @@
 import * as fs from 'fs';
 import * as path from 'path';
-import { fileURLToPath } from 'url';
+import { pathToFileURL, fileURLToPath } from 'url';
 import console from 'console';
 import { createHash } from 'crypto';
 import { AFRelationship, PDFDocument, PDFName, PDFArray, PDFDict, PDFStream, PDFRawStream, decodePDFRawStream, PDFString, PDFHexString, PDFRef } from 'pdf-lib';
@@ -205,7 +205,7 @@ var FLAVOR_CONFIGS = {
     defaultTypeCode: "380" /* COMMERCIAL_INVOICE */,
     attachmentFilename: "factur-x.xml",
     embedInPdf: true,
-    description: "German electronic invoice format. ZUGFeRD 2.4 uses factur-x.xml."
+    description: "German electronic invoice format. ZUGFeRD 2.5 uses factur-x.xml."
   },
   ["xrechnung" /* XRECHNUNG */]: {
     name: "XRechnung",
@@ -282,7 +282,8 @@ function tag(name, content, attrs) {
   return `<${name}${a}>${content}</${name}>`;
 }
 function dateEl(wrapper, isoDate) {
-  return tag(wrapper, tag("udt:DateTimeString", formatDate(isoDate), { format: "102" }));
+  const child = wrapper === "ram:FormattedIssueDateTime" ? "qdt:DateTimeString" : "udt:DateTimeString";
+  return tag(wrapper, tag(child, formatDate(isoDate), { format: "102" }));
 }
 function buildAddress(addr) {
   let x = "";
@@ -363,6 +364,8 @@ function buildLineItem(line, profile) {
   if (line.description) prod += tag("ram:Description", escapeXml(line.description));
   if (line.originCountry && atLeast(profile, "EN16931" /* EN16931 */))
     prod += tag("ram:OriginTradeCountry", tag("ram:ID", escapeXml(line.originCountry)));
+  if (line.manufacturer && atLeast(profile, "EXTENDED" /* EXTENDED */))
+    prod += tag("ram:ManufacturerTradeParty", buildParty(line.manufacturer, profile));
   let agree = "";
   if (line.buyerOrderLineId && atLeast(profile, "EN16931" /* EN16931 */))
     agree += tag(
@@ -397,7 +400,7 @@ function buildLineItem(line, profile) {
     tag("ram:AssociatedDocumentLineDocument", doc) + tag("ram:SpecifiedTradeProduct", prod) + tag("ram:SpecifiedLineTradeAgreement", agree) + tag("ram:SpecifiedLineTradeDelivery", delivery) + tag("ram:SpecifiedLineTradeSettlement", settle)
   );
 }
-function buildAllowanceCharge(ac) {
+function buildAllowanceCharge(ac, profile) {
   let x = tag("ram:ChargeIndicator", tag("udt:Indicator", ac.isCharge ? "true" : "false"));
   if (ac.percent !== void 0) x += tag("ram:CalculationPercent", ac.percent.toString());
   if (ac.baseAmount !== void 0) x += tag("ram:BasisAmount", fmtAmt(ac.baseAmount));
@@ -405,8 +408,13 @@ function buildAllowanceCharge(ac) {
   if (ac.reasonCode) x += tag("ram:ReasonCode", escapeXml(ac.reasonCode));
   if (ac.reason) x += tag("ram:Reason", escapeXml(ac.reason));
   if (ac.vatCategoryCode || ac.vatRatePercent !== void 0) {
+    const extended = atLeast(profile, "EXTENDED" /* EXTENDED */);
     let tx = tag("ram:TypeCode", "VAT");
+    if (extended && ac.exemptionReason)
+      tx += tag("ram:ExemptionReason", escapeXml(ac.exemptionReason));
     if (ac.vatCategoryCode) tx += tag("ram:CategoryCode", escapeXml(ac.vatCategoryCode));
+    if (extended && ac.exemptionReasonCode)
+      tx += tag("ram:ExemptionReasonCode", escapeXml(ac.exemptionReasonCode));
     if (ac.vatRatePercent !== void 0)
       tx += tag("ram:RateApplicablePercent", ac.vatRatePercent.toString());
     x += tag("ram:CategoryTradeTax", tx);
@@ -574,11 +582,12 @@ function buildXml(input, profile, flavor) {
     sett += tag("ram:PayeeTradeParty", buildParty(input.payee, profile));
   if (payment?.meansCode && atLeast(profile, "BASIC_WL" /* BASIC_WL */)) {
     let pm = tag("ram:TypeCode", escapeXml(payment.meansCode));
-    if (payment.debtorIban)
-      pm += tag(
-        "ram:PayerPartyDebtorFinancialAccount",
-        tag("ram:IBANID", escapeXml(payment.debtorIban))
-      );
+    if (payment.debtorIban) {
+      let dacct = tag("ram:IBANID", escapeXml(payment.debtorIban));
+      if (payment.debtorAccountName && atLeast(profile, "EXTENDED" /* EXTENDED */))
+        dacct += tag("ram:AccountName", escapeXml(payment.debtorAccountName));
+      pm += tag("ram:PayerPartyDebtorFinancialAccount", dacct);
+    }
     if (payment.iban || payment.accountId || payment.accountName) {
       let acct = "";
       if (payment.iban) acct += tag("ram:IBANID", escapeXml(payment.iban));
@@ -587,6 +596,11 @@ function buildXml(input, profile, flavor) {
         acct += tag("ram:AccountName", escapeXml(payment.accountName));
       pm += tag("ram:PayeePartyCreditorFinancialAccount", acct);
     }
+    if (payment.debtorBic && atLeast(profile, "EXTENDED" /* EXTENDED */))
+      pm += tag(
+        "ram:PayerSpecifiedDebtorFinancialInstitution",
+        tag("ram:BICID", escapeXml(payment.debtorBic))
+      );
     if (payment.bic && atLeast(profile, "EN16931" /* EN16931 */))
       pm += tag(
         "ram:PayeeSpecifiedCreditorFinancialInstitution",
@@ -604,7 +618,7 @@ function buildXml(input, profile, flavor) {
     sett += tag("ram:BillingSpecifiedPeriod", bp);
   }
   if (input.allowancesCharges && atLeast(profile, "BASIC_WL" /* BASIC_WL */))
-    for (const ac of input.allowancesCharges) sett += buildAllowanceCharge(ac);
+    for (const ac of input.allowancesCharges) sett += buildAllowanceCharge(ac, profile);
   const dueDate = payment?.dueDate ?? doc.dueDate;
   if (atLeast(profile, "BASIC_WL" /* BASIC_WL */) && (payment?.termsDescription || dueDate || payment?.mandateId)) {
     let pt = "";
@@ -615,6 +629,14 @@ function buildXml(input, profile, flavor) {
     sett += tag("ram:SpecifiedTradePaymentTerms", pt);
   }
   sett += buildMonetarySummation(totals, profile);
+  if (input.financialAdjustments && atLeast(profile, "EXTENDED" /* EXTENDED */)) {
+    for (const fa of input.financialAdjustments) {
+      sett += tag(
+        "ram:SpecifiedFinancialAdjustment",
+        tag("ram:Reason", escapeXml(fa.reason)) + tag("ram:ActualAmount", fmtAmt(fa.amount))
+      );
+    }
+  }
   if (input.references && atLeast(profile, "BASIC_WL" /* BASIC_WL */)) {
     for (const ref of input.references) {
       if (ref.type === "preceding") {
@@ -1047,25 +1069,43 @@ async function validateXsd(xml, profile, options) {
     XsdValidator,
     XmlValidateError,
     xmlRegisterInputProvider,
-    XmlBufferInputProvider
+    xmlCleanupInputProvider,
+    openBuffer,
+    readBuffer,
+    closeBuffer
   } = await import('libxml2-wasm');
   const schemaDir = path.dirname(xsdPath);
   const files = fs.readdirSync(schemaDir).filter((f) => f.endsWith(".xsd"));
   const buffers = {};
   for (const file of files) {
-    const filePath = path.join(schemaDir, file);
-    buffers[filePath] = fs.readFileSync(filePath);
-    buffers[`file://${filePath}`] = buffers[filePath];
-    buffers[file] = buffers[filePath];
-  }
-  const provider = new XmlBufferInputProvider(buffers);
-  xmlRegisterInputProvider(provider);
+    buffers[file] = fs.readFileSync(path.join(schemaDir, file));
+  }
+  const schemaFileFor = (requested) => {
+    const start = Math.max(requested.lastIndexOf("/"), requested.lastIndexOf("\\")) + 1;
+    const segment = requested.slice(start);
+    let name = segment;
+    try {
+      name = decodeURIComponent(segment);
+    } catch {
+    }
+    return files.includes(name) ? name : void 0;
+  };
+  xmlCleanupInputProvider();
+  xmlRegisterInputProvider({
+    match: (filename) => schemaFileFor(filename) !== void 0,
+    open: (filename) => openBuffer(buffers[schemaFileFor(filename)]),
+    read: readBuffer,
+    close: (fd) => {
+      closeBuffer(fd);
+      return true;
+    }
+  });
   let xsdDoc;
   let validator;
   let xmlDoc;
   try {
     const xsdContent = fs.readFileSync(xsdPath, "utf-8");
-    xsdDoc = XmlDocument.fromString(xsdContent, { url: `file://${xsdPath}` });
+    xsdDoc = XmlDocument.fromString(xsdContent, { url: pathToFileURL(xsdPath).href });
     validator = XsdValidator.fromDoc(xsdDoc);
     xmlDoc = XmlDocument.fromString(xml);
     validator.validate(xmlDoc);
@@ -1087,6 +1127,7 @@ async function validateXsd(xml, profile, options) {
     xmlDoc?.dispose();
     validator?.dispose();
     xsdDoc?.dispose();
+    xmlCleanupInputProvider();
   }
 }
 var AF_RELATIONSHIP_MAP = {
@@ -1336,7 +1377,7 @@ async function embedFacturX(options) {
   const xmlBytes = new TextEncoder().encode(xml);
   const afRel = resolveAfRelationship(profile, options.afRelationship);
   await pdfDoc.attach(xmlBytes, flavorConfig.attachmentFilename, {
-    mimeType: "text/xml",
+    mimeType: "application/xml",
     afRelationship: afRel,
     description: "Factur-X Invoice"
   });

package/package.json

@@ -1,21 +1,39 @@
 {
   "name": "@stackforge-eu/factur-x",
-  "version": "1.1.0",
+  "version": "1.2.1",
   "type": "module",
   "description": "Embed Factur-X, ZUGFeRD, and XRechnung structured invoice XML into PDF/A-3 documents",
   "keywords": [
     "factur-x",
+    "facturx",
     "zugferd",
     "xrechnung",
+    "e-rechnung",
+    "chorus-pro",
     "en16931",
+    "en-16931",
     "cii",
+    "un-cefact",
+    "cross-industry-invoice",
     "pdf",
+    "pdfa",
+    "pdf-a",
     "pdf-a3",
+    "pdfa3",
+    "xmp",
     "invoice",
     "e-invoice",
     "e-invoicing",
+    "einvoice",
+    "e-invoice-eu",
+    "electronic-invoice",
+    "b2g",
     "eu",
-    "xml"
+    "germany",
+    "france",
+    "xml",
+    "typescript",
+    "deno"
   ],
   "license": "EUPL-1.2",
   "author": "StackForge UG",

package/schema/README.md

@@ -1,7 +1,7 @@
 # Factur-X / ZUGFeRD Schema Files
 
-> **Source:** Factur-X 1.08 / ZUGFeRD 2.4 official specifications  
-> **Reorganized from:** ZF24_EN/Schema
+> **Source:** Factur-X 1.09 / ZUGFeRD 2.5 official specifications (2026-06-10)  
+> **Reorganized from:** the official `XSD_SCHEMATRON` distribution (filenames normalized; internal `schemaLocation` references rewritten to match)
 
 ---
 
@@ -26,10 +26,23 @@ The package validates generated XML **against the profile-specific XSD** before
 
 ## Version
 
-- **Factur-X:** 1.08
-- **ZUGFeRD:** 2.4
+- **Factur-X:** 1.09
+- **ZUGFeRD:** 2.5
 - **CII:** D22B
-- **Effective:** 2026-01-15
+- **Effective:** 2026-05-15 (code lists & validation rules)
+
+> Factur-X 1.09 keeps the same CII **D22B** syntax, namespaces, and profile URNs
+> (`urn:factur-x.eu:1p0:*`) as 1.08, so it is fully backward compatible — XML that
+> validates against 1.08 also validates against 1.09. For the MINIMUM, BASIC WL,
+> BASIC, and EN 16931 profiles the XSDs are content-identical to 1.08; the EXTENDED
+> XSD adds only **optional** elements (debited account name, financial adjustment /
+> charges-on-behalf-of-a-third-party, an optional `listID` attribute).
+>
+> The `.sch` (Schematron) and `_codedb.xml` files carry the updated 1.09 code lists
+> and CEN validation rules. They are kept here as reference only — this package
+> performs **XSD validation**, not Schematron validation, and ships only `*.xsd`.
+> The per-profile `Factur-X_1.08_*.xlsx` workbooks are legacy human-reference
+> extracts and are not used at runtime.
 
 ---
 

package/schema/extended/FACTUR-X_EXTENDED_QualifiedDataType_100.xsd

@@ -16,7 +16,9 @@
   </xs:simpleType>
   <xs:complexType name="AllowanceChargeReasonCodeType">
     <xs:simpleContent>
-      <xs:extension base="qdt:AllowanceChargeReasonCodeContentType"/>
+      <xs:extension base="qdt:AllowanceChargeReasonCodeContentType">
+        <xs:attribute name="listID" type="xs:token" default="4465_AllowanceChargeReasonCode"/>
+      </xs:extension>
     </xs:simpleContent>
   </xs:complexType>
   <xs:simpleType name="ContactTypeCodeContentType">

package/schema/extended/FACTUR-X_EXTENDED_ReusableAggregateBusinessInformationEntity_100.xsd

@@ -30,6 +30,12 @@
   <xs:complexType name="DebtorFinancialAccountType">
     <xs:sequence>
       <xs:element name="IBANID" type="udt:IDType"/>
+      <xs:element name="AccountName" type="udt:TextType" minOccurs="0"/>
+    </xs:sequence>
+  </xs:complexType>
+  <xs:complexType name="DebtorFinancialInstitutionType">
+    <xs:sequence>
+      <xs:element name="BICID" type="udt:IDType" minOccurs="0"/>
     </xs:sequence>
   </xs:complexType>
   <xs:complexType name="DocumentContextParameterType">
@@ -65,6 +71,12 @@
       <xs:element name="EffectiveSpecifiedPeriod" type="ram:SpecifiedPeriodType" minOccurs="0"/>
     </xs:sequence>
   </xs:complexType>
+  <xs:complexType name="FinancialAdjustmentType">
+    <xs:sequence>
+      <xs:element name="Reason" type="udt:TextType"/>
+      <xs:element name="ActualAmount" type="udt:AmountType"/>
+    </xs:sequence>
+  </xs:complexType>
   <xs:complexType name="HeaderTradeAgreementType">
     <xs:sequence>
       <xs:element name="BuyerReference" type="udt:TextType" minOccurs="0"/>
@@ -116,6 +128,7 @@
       <xs:element name="SpecifiedLogisticsServiceCharge" type="ram:LogisticsServiceChargeType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="SpecifiedTradePaymentTerms" type="ram:TradePaymentTermsType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="SpecifiedTradeSettlementHeaderMonetarySummation" type="ram:TradeSettlementHeaderMonetarySummationType"/>
+      <xs:element name="SpecifiedFinancialAdjustment" type="ram:FinancialAdjustmentType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="InvoiceReferencedDocument" type="ram:ReferencedDocumentType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="ReceivableSpecifiedTradeAccountingAccount" type="ram:TradeAccountingAccountType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="SpecifiedAdvancePayment" type="ram:AdvancePaymentType" minOccurs="0" maxOccurs="unbounded"/>
@@ -161,7 +174,7 @@
       <xs:element name="ApplicableTradeTax" type="ram:TradeTaxType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="BillingSpecifiedPeriod" type="ram:SpecifiedPeriodType" minOccurs="0"/>
       <xs:element name="SpecifiedTradeAllowanceCharge" type="ram:TradeAllowanceChargeType" minOccurs="0" maxOccurs="unbounded"/>
-      <xs:element name="SpecifiedTradeSettlementLineMonetarySummation" type="ram:TradeSettlementLineMonetarySummationType"/>
+      <xs:element name="SpecifiedTradeSettlementLineMonetarySummation" type="ram:TradeSettlementLineMonetarySummationType" minOccurs="0"/>
       <xs:element name="InvoiceReferencedDocument" type="ram:ReferencedDocumentType" minOccurs="0"/>
       <xs:element name="AdditionalReferencedDocument" type="ram:ReferencedDocumentType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="ReceivableSpecifiedTradeAccountingAccount" type="ram:TradeAccountingAccountType" minOccurs="0" maxOccurs="unbounded"/>
@@ -195,9 +208,9 @@
   <xs:complexType name="ProductCharacteristicType">
     <xs:sequence>
       <xs:element name="TypeCode" type="udt:CodeType" minOccurs="0"/>
-      <xs:element name="Description" type="udt:TextType"/>
+      <xs:element name="Description" type="udt:TextType" minOccurs="0"/>
       <xs:element name="ValueMeasure" type="udt:MeasureType" minOccurs="0"/>
-      <xs:element name="Value" type="udt:TextType"/>
+      <xs:element name="Value" type="udt:TextType" minOccurs="0"/>
     </xs:sequence>
   </xs:complexType>
   <xs:complexType name="ProductClassificationType">
@@ -409,6 +422,7 @@
       <xs:element name="DesignatedProductClassification" type="ram:ProductClassificationType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="IndividualTradeProductInstance" type="ram:TradeProductInstanceType" minOccurs="0" maxOccurs="unbounded"/>
       <xs:element name="OriginTradeCountry" type="ram:TradeCountryType" minOccurs="0"/>
+      <xs:element name="ManufacturerTradeParty" type="ram:TradePartyType" minOccurs="0"/>
       <xs:element name="IncludedReferencedProduct" type="ram:ReferencedProductType" minOccurs="0" maxOccurs="unbounded"/>
     </xs:sequence>
   </xs:complexType>
@@ -433,7 +447,7 @@
   </xs:complexType>
   <xs:complexType name="TradeSettlementLineMonetarySummationType">
     <xs:sequence>
-      <xs:element name="LineTotalAmount" type="udt:AmountType"/>
+      <xs:element name="LineTotalAmount" type="udt:AmountType" minOccurs="0"/>
       <xs:element name="ChargeTotalAmount" type="udt:AmountType" minOccurs="0"/>
       <xs:element name="AllowanceTotalAmount" type="udt:AmountType" minOccurs="0"/>
       <xs:element name="TaxTotalAmount" type="udt:AmountType" minOccurs="0" maxOccurs="2"/>
@@ -448,6 +462,7 @@
       <xs:element name="ApplicableTradeSettlementFinancialCard" type="ram:TradeSettlementFinancialCardType" minOccurs="0"/>
       <xs:element name="PayerPartyDebtorFinancialAccount" type="ram:DebtorFinancialAccountType" minOccurs="0"/>
       <xs:element name="PayeePartyCreditorFinancialAccount" type="ram:CreditorFinancialAccountType" minOccurs="0"/>
+      <xs:element name="PayerSpecifiedDebtorFinancialInstitution" type="ram:DebtorFinancialInstitutionType" minOccurs="0"/>
       <xs:element name="PayeeSpecifiedCreditorFinancialInstitution" type="ram:CreditorFinancialInstitutionType" minOccurs="0"/>
     </xs:sequence>
   </xs:complexType>