When I receive a payment via PayPal from my customers, not only am I charged "bank fees", I am also charged for the shipping expense. The net of payment, the bank fees and shipping expense is what's deposited into my bank account in one lump sum. Example: invoice $20.00, bank fees $1.00, shipping $3.00, net deposit is $16.00. The existing "receive payment" only takes into consideration the bank fees to reduce the actual deposit (as above example would only be $20.00 invoice less $1.00 bank fee, Zoho would show the deposit as $19.00, making it impossible to "match" transactions for banking. Either that or allow ALL unmatched transactions, whether income or expense, to choices when matching.