User is able to generate payment file based on ISO20022 Credit transfer format for accounts payable transactions. Just in the same way user should be able to send payments to accounts receivable transactions using the same format - credit notes, overpayments, on-account transactions. Reimbursement feature, already implemented feature, is insufficient and requires considerable affords to send money to customers, especially when number of customers / transactions is high. In addition, reimbursement feature requires that the customer is registered also as vendor with bank account. Payment information must be added manually as notes on the corresponding vendor payment journal line and only Unstructed payment file can be generated for those payments.