How to record in QBO electronic $1,000 invoice payment from customer, reduced by transfer fee of $20 -A single bank record is $980?

I've got the steps you'll need on how to record this in QuickBooks Online, kielbikgroup.

We'll have to record the invoice and payment without any bank fees, then create a bank deposit where you can deduct the bank charges. 

To Receive payments:

1. Go to + New and select Receive payments.
2. Enter all payment information.
3. Tick the checkbox next to the invoice you would like the payment to be applied to.
4. Select Undeposited funds as the Deposit to account.
5. Choose Save to record the transaction.

Once done, let's create a bank deposit. Here's how:

1. Go to + New and select Bank deposit. (You should see the payment you entered in the Select Existing Payments section at the top).
2. Place a checkmark to select the payment you want to deposit.
3. From the Add funds to this deposit section, enter the amount of the bank service fee charged to you by the credit card company as a negative amount.
4. From the Account section, select the Expense account you usually use in tracking bank fees.
5. Verify that the deposit amount is correct.
6. Click Save.

Afterward, you can go to the Banking menu to match and categorize your bank transactions. 

I'll be right here to keep helping if you have any other concerns or questions about managing your account.