Sending the clearing date instead of payment date as part of BACS payment run

Summary:

BACS has 3 days of clearing cycle. My client has a specific requirement to select the day 3 in the payment date column while running the payment run. This is to make sure the payment date is the same date when the suplier bank account is credited. Also they sometimes send the payment many days in advance during holiday period and select the payment date in the future. E.g payment date of 30 Dec is selected but the payment run is created on 18 december.

We are trying to setup host to host connection between fusion and the bank. The issue is bank wanted processing date ( day2 ) in the ISO20022 file so we cannot send the payment date selected by payments team. We tried to define a logic to deduct 1day from the payment date in the xml but that will also not work given it might land on the weekend or bank holiday.