Account - Default Payment Term should be set via API

[sHruschka]

In the Payment Term section you can set a default payment Term. If you create a new account via the API, the default Payment Term is preselected, but if you create account via API and do not explicitely send a payment term, the system takes another term as default, but not the default payment term (looks like it is taking the first value in the list.

Referring to Incident 202446, I posting this idea here, event though I think it is kind of a bug.