According to the SEPA Credit Transfer rulebook 2019 V1.0. The structured remittance info for extended remittance info occurrences mustn't exceed 280 characters in length.

However, in the payment model for ISO20022 for credit transfer, in the case of bundling a credit note with and a payment, along with using long Payment IDs, as in Finland (the RF number could be up to 25 character), the STRD tag for the payment file will exceed the mentioned 280 characters in total, which results the rejection by the bank.

In that case, some banks would suggest removing the referenced document number represented in the tag.

We suggest handling the document in the way you see fits to avoid the rejection of the bank in such cases and make it easier for the D365 ER users to handle these cases.