Thank you Joan, 

This is a payment from over 30 days ago.  I understand how payments load into my books and how to reconcile, it's just that this is a one-off situation I haven't run into in the 5 years plus I've been working in QBs. 

I am in the Premier Desktop version.  The credit card payment hit my bank account, as did the Intuit fee associated with the credit card transaction, however only the fee came through to merchant accounts nor did the credit card transaction process to hit the Undeposited Funds account in QBs.

It's nowhere, however I need to process a deposit so I can reconcile the transaction.  Can I just create a deposit, using the date of the original transaction, choose the customer; job, Accounts Receivable and dollar amount of the payment to reconcile it that way?