I suggest including a "payment to customer" option, although this is very rare, since payments are usually received from customers or made to suppliers. However, there are situations, as in the case of bids for example. When the job is awarded to the winning bid, a payment and performance bond will then be required as a security to the job completion in which the bidder (Supplier) is asked to make a deposit to the customer, also called a guarantee good performance.This guarantee can be made by issuing a certified check, that is, it does not necessarily enter the customer's account, but is deducted from the supplier's account, or by a bank transfer directly to the customer, in which the money is debited from the supplier's account and actually credited to the customer's account.The current options in Zoho books do not allow or facilitate this type of transactions, which are very common especially for those working with UN, EU agency projects, etc.