Hi Asad,
payment file is for self-initiated payments. These can be bank transfer, wire transfers, direct debits, outgoing checks, bill of exchange, etc.
Foreign-initiated payments (e.g. incoming bank transfers triggered by a customer) can be uploaded only as bank statement items or as payment advises.
For your use case the customer specific payment file for payment procedure "Direct Debit" would be the right solution.
Best regards
Marlene