We use Business Central SaaS with the Dutch localization and export SEPA Credit Transfers in pain.001.001.09 using report 11000014. Banks such as Rabobank reject the generated XML when PostalAddress is provided for the creditor because TownName is mandatory.

In the current export, Debtor (Dbtr) PostalAddress is exported as structured and includes TwnNm. Creditor (Cdtr) PostalAddress is exported as unstructured AdrLine only and does not include TwnNm, even though the City is present and mandatory on the payment proposal or payment journal line. The city ends up combined in an AdrLine such as “1100 XA Heerhugowaard”, without Heerhugowaard.

Expected behavior is that the standard export populates Cdtr/PstlAdr/TwnNm from the payment line when address data is present, and preferably exports a structured address (StrtNm, PstCd, TwnNm, Ctry) similar to the debtor section.

This causes payment files to be rejected and forces manual XML editing or custom extensions. A fix in the standard report would prevent breakage for SEPA CT processing and improve compliance with bank validation rules.