Solution : https://service.sap.com/sap/support/notes/943905 (SAP Service marketplace login required)
Key words : 
credit card payment method, credit card payment instruction, credit card information, terms bseg-zlsch, fiebpp 116 error message, payment card, credit memo, instruction found, payment run, program error
Related Notes : 
       
| 1084325 | FSCM-BD: Payment method for invoice-related credit memo II |