Invoices with no bank information not going on installment hold with validation at format level

We have requirement to mark with installment holds for the supplier invoices without bank accounts having payment method as electronic . We have the other requirement to make the zero dollar invoices for the for the employees(configured as suppliers without bank accounts) to be marked as paid without installment holds .

To meet both the requirements we have configured the below payment process profiles.

1. Payment Process Profile 1( without bank account required validation) this will be used to pay the zero dollar invoices without bank accounts.This will ensure zero dollar invoices are paid without any installment holds at the payment run.