how to access and download payment files generated in IFS Cloud ?

PLease see https://community.ifs.com/finance-financials-42/payment-institute-s-output-file-directory-is-missing-20137 that has below information.   Hopefully this will answer your questions

This is a common behavior in local file creation in the Aurena and Cloud.

It will not be possible to provide “Output file directory” and “Output file directory, history” in IFS Aurena/ IFS cloud in the payment method per institute window. The output files will be downloaded to the browser default download folder, upon creating the payment order.

The server output path /Oracle directory is used when creating the payment order files via background job process. These paths are also removed from IFS Cloud.

The user can define FTP server locations in order to create the output files.

Please use the below link for more information on FTP server folder creation.

https://docs.ifs.com/techdocs/21r2/045_administration_aurena/240_integration/330_ifs_applications_business_components/024_configure_payment_files/

Hope this clarifies your question. Please let me know if you have any further concerns.