The steps and article given by my colleague is for the Desktop version, MDTerp66. 

You've mentioned above that you want your customers to pay the NSF and bank charges. For this, I suggest reaching out to an accountant. They can also help you handle the rejected payment depending on your business preference. 

For the rejected payment of your customer's Sales Receipt, we can delete it and then record an Invoice. That said, your customer will have a pending payable. Once it's already paid you can record a customer payment. 

Keep me posted if there's anything else that I can help you with.