So wait. There's currently no way to use any kind of CAMT report to match posted customer invoices to incoming payments?
In Finland a traditional business account bank statement doesn't include separate lines for payments made with a reference number. All incoming and outgoing transactions with a reference number are grouped into daily totals (total incoming, total outgoing). The CAMT.054 report is the one that lists those transactions, and those transactions alone. The logic being that transactions with an associated reference number shouldn't ever need to be handled by people.