AR - Support Both Pre-Authorized Debit & Credit?

Lawson AR has EFT capabilities - that are targeted toward a "Pre-authorized Debit" scenario - I.E. maintains customer bank account data in support of EFT. We will be engaging a credit card 3rd-party vendor in support of processing pre-authorized credit card transactions as well. In effect - pre-auth debit/credit amount to the same general requirements - although the resulting file TX's will need to be distributed to 2 seperate financial institutions: pre-auth debit->bank, pre-auth-credit->CC vendor. Has anyone attempted to orchestrate both of these concurrently within Lawson AR? Our issue is that, even though we believe that we could configure AR to address - all resulting EFT occurrences (regardless of type) will have the same "Pay Code" assigned - as this is defaulted at the Company level. Ideally, we would like these to have seperate/distinct "Pay Codes" NOTES: - we aren't using the Lawson Billing module - we believe that we could setup each type with a seperate physical file format - and in that way segregate the resulting TX's - possible to set one up as EFT - the other as BOE (Bill Of Exchange)? Any feedback would be most appreciated.