Consider having a 3rd party merchant service with such feature to integrate with QB Online and QB Desktop.

Hmm.  Adding cost to the accounting software stack in order to resolve a basic functionality issue does not seem an appropriate solution.  Any other ideas?

I already spend a lot of money on this forced-down-my-throat software and am not looking to have yet another thing to learn how to record in QB.  

I have to ask what keeps any of you from just using the Invoice function, which provides exactly what you want. An Invoice can serve to describe a past transaction just as easily as a Sales Receipt can.  The only difference is that you have a Payment as a separate transaction - but they're still linked, you can still readily see what the payment(s) was (were).  If it's the extra keystrokes, there are far more labor-intense steps.

Compared to the other issues I have with QBO (which is why I'm in the process of moving to different software), this seems pretty minor.  I've trialed just about every other piece of accounting software there is over this past year that costs less than $100 a month, and I can tell you that all of them come with trade-offs - you have to pick your battles.  In fact, the one I've settled on doesn't have Sales Receipts at all (there's nothiing but Invoices), and I'm not missing them at all - but it more than makes up for it with other features.

In the Desktop version you could do all this with one transaction and I have been using this for years! Why isn't online making this available?? This is crazy to have to make multiple transactions to post daily cash!