OCA/bank-payment — reverse-engineered prompt

Build me an Odoo 18 Community add on suite for electronic bank payments.

I want accounting users to manage payment modes, customer and vendor bank details, direct debit mandates, and payment orders from invoices, sales orders, and purchase orders. They should be able to select invoices for payment, create payment batches, generate SEPA XML files for credit transfers and direct debits, and keep track of returned or rejected payment orders.

Please include useful everyday workflows, like choosing a default vendor bank account, carrying payment modes from partners onto invoices and orders, adding mandates on sale orders and contacts, grouping payment outputs when needed, sending payment order notifications, and requiring approval levels before a payment order can be processed.

Make it feel like a clean Odoo module collection that fits naturally into Accounting, Sales, Purchase, and Contacts. Keep it compatible with OCA style and licensing. Add sensible tests and sample data where helpful. Look up current Odoo 18 and OCA docs online if you need to.