Solution is for all electronic payments and refunds to be recorded as unallocated funds, then to add a bank receipt which should then list all the transactions to match what is on any payout or refund. Could be a mix of payments and refunds. 

If it's only payments then you should be able to match from within the banking section by going to find match, set the datesm ranges the payments were made then it comes up with suggestions to couple together to match.