Hi there, Kerk.

Thanks for reaching us. I can see the importance of seamlessly using QuickBooks. Let me share some information on how to record payments in QuickBooks Online (QBO).

Yes, you can set up donors as customers in QuickBooks Online and record the payments through bank deposits. So with regards to the payment, if it shows as a credit balance to the customer, we can just create a sales receipt for that. Let me guide you through the process.

Here's how:

1. Sign in to your QuickBooks Online.
2. Click on + New then select Sales receipt.
3. In the Customer field, enter the donor's name. 
4. In the Sales Receipt date field, enter the date of the donation.
5. From the Deposit to dropdown menu, select the In-Kind Clearing bank account you created.
6. Select the appropriate item from the dropdown menu of Product/Service column and add any additional Description.
7. Enter the fair market value (FMV) of the donation in the Amount field.
8. Then hit Save and close.

Keep in mind that if you are unsure about the Fair Market Value donation, I highly suggest consulting your accountant. 

Moreover, you can also visit this link to help you manage your funds in QuickBooks Online: Track funds you receive from donors in QuickBooks Online.

If you have any questions or need assistance with managing your funds in QuickBooks Online, please don't hesitate to reach out. I'll be here to help you out.