The payment format that never travels
The first country hard-codes the bank file because "we only pay here". The second country copies the payment journal and asks for a new X++ format. By the time you are paying vendors in Chicago, employees in Lyon and suppliers in Nairobi, you have three payment engines and one logo.
That is the same failure as a template that assumed one tax engine. The payment path is part of the global core. The file the bank will accept is the country layer.
One gateway, any bank
The DisbursementFlow 365 sits on Finance & Operations. It pays vendors and it pays employees. Bank connection profiles cover any bank. Account validation uses IBAN rules for 89 countries. Batches move on maker-checker approval. The file is ISO 20022 pain.001. The status log cannot be edited after the fact.
A new country deployment is a file mapping in Azure for that country's bank formats. It is not a customization, and it is not a second payment journal. India, Australia, the United States and Europe attach the same way Kenya and South Africa do.
Payroll calculates. The gateway pays.
PayrollFlow 365 sits on the global core, on Finance & Operations and on Business Central. Published statutory content covers Kenya, Nigeria and South Africa: earnings, PAYE, returns and the ledger posting. A country configures rates and calendars. It does not stand up a second payroll so that salaries can reach a bank.
Employee payments leave through the gateway, into the same books, with the same maker-checker. A funder report or group pack is complete when it sees those payments.
What we will not build
We will not write a bank format in X++ or AL because a country is new. We will not let a marketplace or a payroll side-system "just send the net" around the payment journal. We will not keep a private integration pattern per entity.
If your programme is about to add a country, ask one question in the steering meeting: is the new bank file a mapping on the gateway you already run, or a development estimate? If it is an estimate, you are buying a local project at a global price.