How should payments received from customers as transfers from Zelle without an invoice be classified in QBO?

Hi there, @fly19382!

You can manually record the payments as an income since no invoice is associated with them.

1. Go to the +New button.
2. Under OTHER, select Bank Deposit,
3. Select the appropriate bank account.
4. On the ACCOUNT column, select any of your income accounts.
5. Enter the total amount of payment.
6. Click Save and close.

In addition, here's an article you can read to learn more about creating a bank deposit: Record and make Bank Deposits in QuickBooks Online.

But if the payments come in as your downloaded transactions in the Banking page, you can simply categorize them with the Add function.

1. Go to Banking.
2. Under Bank and Credit Cards, select your bank account.
3. Select For Review.
4. Find and select the payments you wanted to categorize.
5. Click Batch actions.
6. Select Accept selected.

To add, I've got you this helpful article to learn more about categorizing your transactions: Categorize and match online bank transactions in QuickBooks Online.

Lastly, I've also included this helpful article for ideas about how you can review a transaction in your account register: Find, review, and edit transactions in account registers,

If the's anything else that I can help you with, let me know in the comment down below. I'll be happy to lend a hand.