3745098 - payments rejected when account holder name exceeds 60 characters in payment files SAP S/4HANA Cloud Public Edition

• In “Maintain Business Partner” > Payment Transactions, the Account Holder field is limited to 60 characters.
• Payment rejections occur when the “Account Holder” name in payment files does not match the beneficiary name at the bank due to truncation at 60 characters.

SAP S/4HANA Cloud Public Edition

1. Open the “Maintain Business Partner” application.
2. Navigate to Payment Transactions → Account Holder field.
3. Enter an Account Holder name longer than 60 characters and save.
4. Generate the payment file and submit to the bank; the truncated name can lead to a mismatch and rejection.

• System design limitation: the Account Holder field is restricted to 60 characters across applications and underlying structures (for example, REGUH, FPAYHX, and related interfaces). This can result in mismatches with longer beneficiary names used by banks.

• Solution 1: Use supplier name as account holder via format mapping:
  Populate the account holder in the payment output from the supplier name (address management supports two 40-character name lines, up to 80 characters combined).
  In format mapping, include Custom Reference Fields and call address management using the address number in FPAYH, concatenating the two name fields for the output.
  
  
• Solution 2: If account holder differs from the supplier name and exceeds 60 characters, consider using an alternative payee:
  Create/assign an alternative payee vendor and apply step 1 for that vendor’s name in the payment output.
  
  
• Solution 3: If the limitation impacts broader requirements, submit a feature request: 
  Engage your consultant to raise an official request as described in the referenced note.

• refer to: Including Custom Reference Fields
• refer to: SAP Note 0002253571 - CGI_XML_CT, CGI_XML_DD extended with BAdI enhancement
• refer to: SAP Note 0002963059 - How to Submit Feature Requests for SAP S/4HANA Cloud Public Edition

account holder length, 60 characters limit, payment rejection, beneficiary name mismatch, maintain business partner, payment transactions, payment file name truncation, manage automatic payments, DME mapping, format mapping, custom reference fields, FPAYH, REGUH, FPAYHX, alternative payee , KBA , FI-AP-AP-B-2CL , Payment Progam / Payment transfer (DE, JP, US) (Public Cld) , Problem