When I am entering a payment A/R is not listed under the 'Deposit to' list but it does appear under my Account List

@vf0918 

QB Online and Desktop both give you the option to choose the bank account but only Desktop has the option to choose a different A/R account.  QB Online only has one, default A/R account.  It's a shortcoming of QB Online.   

Hi there, vf0918.

Thank you for visiting the QuickBooks Community. I understand that things have been challenging for you when choosing an account when recording customer payments. I'll be sharing details on how Accounts receivable work in QuickBooks Online and ensure that your sales transactions track accurately.

Accounts receivable is an account that tracks the money that's owed to your business. Normally, QuickBooks tracks your unpaid invoices in your accounts receivable account. That's why AR isn't listed under Deposit to because you're going to be paid for the invoice.

On the other hand, QBO automatically enters Undeposited Funds on the list because this account holds invoice payments and sales receipts. It’s like the drawer you keep payments in before taking them to the bank to ensure that your income is in shipshape.

Additionally, all undeposited transactions won't automatically appear on the reconciliation. This is because they need to combine into one specific account so you can reconcile your entries much easier. To do this, you'll have to make a deposit in QuickBooks. You can open this article to see the steps on how to perform the process: Record and make bank deposits in QuickBooks Online.

Lastly, you may refer to this article to view information on how you can run various reports in QBO to provide you a snapshot and different aspects of your business: Run reports in QuickBooks Online.

Drop me a comment below if you have any other questions regarding accounts receivable in QuickBooks. I'll be happy to help you some more, vf0918. Have a great day!