So this is where we get mixed information.
One major bank just today told us that payment files will not be rejected, if still unstructured by Nov 2025 / 2026, even for International and SEPA outside EU.
The only requirement for structured (and rejections) is for POBO debtor information and for DD collections for the debtor information, but not for any creditor information.
Then other banks, do say it is mandatory in their ISO pitchbooks (for debtor and creditor details) or they will reject the payment files.
