I'm the bookkeeper for nonprofits and I too need to have an AP account for services and and AP account for pledges/gifts. I agree that the inability to post invoices directly to multiple AP accounts is totally lame. One of my gigs uses the older Quickbooks Desktop 2020 and I have four different AP accounts to separate out our receivables by business function and it works perfectly. QBO needs to stop dumbing down its online version and have the same functionality that QBDT has... ESPECIALLY since the sales rep at QB told me that they're phasing out QBDT eventually.  I'll also post this to feedback. Very frustrating.