Generic EFT Format in Oracle R12

Dear  all

We are using Electronic Payment method in R12.2.7. The countries we are operating are from Europe and US / Canada

Each country is generating EFT file in it's own format and not using the Seeded EFT format like German Domestic EFT format etc.

We run our custom program manually and file is generated. The programs are pl/sql base.

But still to complete the Payment Process we need to attach some payment format  in Payable Document/ PPP setup.

I see oracle provides country specific formats which comes along with country specific validations. So format for one country may not work for another.