Thanks. I guess this is the only way. However, please explain this part in detail:
"Once done, you'll have to put the payment and the deposit in the clearing account so the balance of the account can be zeroed by your bank. Then, match that to online banking."
Edit: Potentially something like this?
1. Payment "Deposit To" set as the Clearing Account
2. Expense "Payment Account" set as the Clearing Account
3. Journal Entry to move the balance to the "Undeposited Funds"
4. Match the Journal Entry to the Online Banking deposit
