Handling Bank Charges During Incoming Payments in SAP FS-CD

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Hello Experts,

I have a requirement in SAP FS-CD related to handling bank charges during incoming payments. Here is the scenario:

We request the customer to pay 100 USD (i.e., the receivable is 100 USD).

The customer makes a payment of 100 USD, but due to bank charges, we receive only 90 USD.

The bank charge of 10 USD is not known at the time of invoicing or payment request, but it becomes evident at the time of payment receipt.

Requirement:

1. When an incoming payment is received:

If the amount is less than the expected amount (e.g., 90 USD instead of 100 USD), the difference (e.g., 10 USD) should be automatically treated as a bank charge and not as an underpayment.

If the incoming payment is more than the expected amount (e.g., 110 USD), then:

System should allocate 100 USD against the receivable.

10 USD should be considered as either a bank charge recovery or as an overpayment, depending on configuration.

Goal:

We want to configure the system to automatically post the difference amount (when less than receivable) as bank charges without manual adjustment, during the incoming payment process in FS-CD.

Can you please guide me on how to configure this in FS-CD? Is there any standard way to achieve this, or do we need to implement a BAdI or enhancement?

Thanks in advance