Thank you for the details you've shared, Steve. I'm here to address your matching concern in QuickBooks Online (QBO).

Since the invoice is higher than the transactions in the bank feeds, we won't be able to match it directly. What we have to do is first, change the posting account of the payments to the Undeposited Funds (UF) or Payments to deposit. Second, create a bank deposit transferring the payment from the UF or Payments to deposit account to your bank account with the negative merchant fee, and lastly match the deposit with the bank transaction. Let me walk you through the process.

Here's how to change the posting account:

1. Go to Sales and select Customers.
2. Open the customer profile with the payment.
3. Find and open the Receive payment transaction by clicking the View/Edit button.
4. Choose UF or Payments to deposit in the Deposit To dropdown.
5. Click Save and close.
6. A prompt message will appear, click Yes.

Let's now create a bank deposit:

1. Go to +New and select Bank deposit.
2. Choose the Account where you want the payment to go.
3. In the Select the payments included in this deposit section, tick the payment.
4. In the Add funds to this deposit section, add the merchant fee as a negative amount and fill in the necessary details. Create a new vendor and new item for the merchant and merchant fee if you don't have one.
5. Click Save and close.

Lastly, match the bank deposit to the bank transaction.

Additionally, please reconcile your accounts regularly to keep them accurate and up-to-date.

Let us know if you have other concerns about finding a match and managing your invoices in QBO. We're here to help you in any way we can.