Should AR_PAYLOAD be populating ITEM = REF_VALUE and setting ITEM_LINE = 0 ??

 I am finding that the AR_PAYLOAD is setting the ITEM = REF_VALUE and setting ITEM_LINE = 0 . 

This is causing a problem matching a single payment to items that have multiple Item Lines.  I am using the #DTL_TLR. When I create a manual deposit group the payment_id_item table does not populate the ITEM field, only the REF_VALUE field, which allows matching a payments to an Item with multiple lines.  My interpretation as of now is that because AR_PAYLOAD is populating the ITEM field, payment predictor is deciding that it has to find the exact item AND item_line of 0 (zero).  Items in my Item table will have multiple lines and never have a value of 0 (Zero)