When using the telebanking module of the NL localisation you will initiate a payment by using the proposal of the Dutch localisation.
Processing the proposal will create the actual payment history card with the associated payment lines.

Above process is based on the standard Business Central application. Additional the Direct Banking app will provide the possibility of a direct export.
When you want to export the file and select the BCB Banking export protocol “DIRECTBANKING” you will not create a sepa-xml
but it will process a direct link to the provider for imitation of payment. You can make the setup in the bank account card.