Hello there, @blue kiwi.

Allow me to provide some details on how QuickBooks Online handles matching of your bank transactions.

Since you’ve created your transactions prior to downloading from your bank, QuickBooks Online tries to automatically match them with the downloaded ones. Regardless if you’ve processed the transaction in QuickBooks, oftentimes the system will not be able to automatically matched it. 

When your customer make a payment on the invoice, you’ve sent to them, the actual payment recorded in the bank is not usually the exact amount in the invoice since processing fees will be deducted from it. You’ll need to manually find the match for it.

Feel free to click the Reply button if you have other questions about matching your invoice payments and downloaded transactions in QuickBooks Online. I’m here to help.