Need to create a substituin rule

I am working on the logic for a substitution rule:
The scenario is that we have certain non PO documents that flow through an external system in to SAP. These documents are of type doc type X in our system and they contain check requests and other non PO documents. For the docuemnts that  are check request the SGTXT field gets populated by a certain code that tells the bank wht to do with the check. but before populating this code in the payment method supplement field(PMS) the substitution should check to see if the PMS field is blank or not if it is blank it shoud populate it with the code that is in SGTXT, else it should terminate. the restrictions should also be for a certain company code and certain gl account.
Will it be easier to use a user exit or a substitution rule. How should I go about this.

The best option is user exit
and please post this kind of que to FI Forum

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