Your needs need to be implemented through custom development. If you don't have a developer, you can enlist the help of a Microsoft partner who will provide you with customized services. You can provide more details, such as business scenarios, so that the consultants can give you more detailed guidance.
To achieve this there could be more than one way but all of them are using customization. You will not get this as out of box functionality. Let me know if you need more details on where to put your logic and all.
In payment proposal we can see vendor bank account, not number or iban, however this can be done with a small custom code, we did the same in one of the implementation recently.
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