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JamesAndrewM
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I appreciate all the effort you've put into sharing these details.

 

I can also see how convenient it is for you and your business. Currently, this is still a limitation. As we value your suggestions, I recommend sending your feedback to our Product Development Team. Here's how to send feedback: 

 

  1. Click the Gear icon in the upper-right corner.
  2. Select Feedback under Profile.
  3. Share your feedback.
  4.  Click Next to submit.

 

Our product engineers will consider your suggestions, and you can always check the status of your request through this link: QuickBooks Online Customer Feedback

 

On the other hand, I agree with you about using invoices for all transactions with multiple payment methods. 

 

You can utilize these articles to guide you in the future:

 

 

Feel free to post here again if you have further QuickBooks-related concerns. We are available 24/7 to lend a hand with each of your queries. Stay safe!