Hello, @DebGer.

I'm here to share some information about matching your downloaded deposit transaction. 

Here are the factors that may have been the reason why you're unable to match your transactions:

• Hasn't been reconciled.
• Was entered using the same bank account.
• Wasn't matched to another downloaded transaction.

To resolve this, let's first generate the Transactions List by Customer report to locate the invoices and their payments.

Here are the steps:

1. Go to the Reports menu.
2. In the search bar, type in Transaction and select Transaction List by Customer.
3. Choose a date range.
4. Click Customize.
5. Go to Filter.
6. Put a checkmark beside Transaction Type.
7. Select Invoice and Payment.
8. Click Run report.

You can open the invoice from the report to check the payment and the bank account used. 

Lastly, to make sure that your invoice payments are properly recorded, you'd want to use the Undeposited Funds account. This way, you can properly deduct the merchant fees from it. Here's how:

1. Go to the + New icon.
2. Select Receive Payment.
3. Enter the necessary information.
4. Deposit the money to the Undeposited Funds account.
5. Select Save and close.

Once, done complete, let's deposit the payments to the bank account where the actual payments were posted. 

1. Go to the + New icon.
2. Select Bank Deposit.
3. Choose the appropriate account where you want to deposit the money.
4. Locate the invoice payments you've recorded.
5. Under the Add funds to this deposit table, add the merchant's fee.
6. Pick  Bank Charges & Fees for the account type.
7. Make sure to put a negative sign on the amount.
8. Hit Save and close. 

Now, you can start matching your deposits and payments again. You can read through this article for more detailed information: Deposit payments into the Undeposited Funds account in QuickBooks Online.

Get back to us here if you have other questions about managing your income-related transactions. I'm always here to help.