Thanks for getting back to this thread, @acustomz.
Allow me to add more info with regards to your banking concerns in QuickBooks Online.
The downloaded payments on the Banking page depend on the transactions that were cleared by your bank. If your customers pay their invoices by lump sum, then this should be matched to your total invoices in QuickBooks.
It could be that your customer pays you more than their actual invoices. This can be the reason why the amount showing on the banking menu is different.
However, you can check this out with your customer. This way, we can verify how much did they actually pay to you. You can also ask for help from your accountant. Then, review your bank statement to find the discrepancy.
Additionally, you can use this article as an additional reference in categorizing your downloaded banking transactions in QuickBooks.
Let me know how else I can help you with QuickBooks by adding a comment below. I'm more than happy to lend a helping hand. Keep safe!
