Max RF-data I can transmit using XBee 868 LP API mode - Digimesh

The NP command in XCTU reports that the maximum payload size is 100 bytes for the XBee 868 LP.
When in API mode, I can send a package with a max RF-data of 95 bytes, and I receive a “succes” message.
When the RF-data is larger then 95 bytes, I don’t get any response back.

What does a payload exist of, what is a payload?
Where in the documentation is stated what the maximum RF-data is that can be send?

When the XBee is in AT command mode I can send a much larger size RF-data (Tested 250 bytes, and is also ok). Is this packet split into smaller packets and re-assembled on the receiving side?