--- title: Cash application in QuickBooks Desktop description: Learn how payments flow from your customer to your General Ledger (GL), including visibility within Centime and how settlements and fees are applied. The process ensures your bank register stays aligned with your accounting system. --- [Skip to content](https://knowledgebase.centime.com/support/understanding-the-payment-journey-with-centimepay-0-0-0#main-content) English - United States Show submenu for translations [![Centim App Logo-1](https://knowledgebase.centime.com/hubfs/Centim%20App%20Logo-1.svg)](https://knowledgebase.centime.com/support?hsLang=en-us) Open main navigation Close main navigation - English - United States Show submenu for translations - [Contact us](https://www.centime.com/company/contact-us) [Contact us](https://www.centime.com/company/contact-us) How can we help you? - There are no suggestions because the search field is empty. 1. 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[Merchant Services](https://knowledgebase.centime.com/support/manage-receivables?hsLang=en-us#merchant-services) August 19, 2025 # Cash application in QuickBooks Desktop ## Learn how Centime posts payments and deposits to QuickBooks Desktop. ### Step 1: Payment Authorization - The customer submits a payment, applying credits and early pay discounts if applicable. - Centime posts the payment to the **Undeposited Funds GL** for all invoices included in the transaction. - If applicable, Centime also posts: - A journal entry to the **Discount GL** - A journal entry to the **Surcharge GL** ### Step 2: Settlement Posting - Centime creates a **Deposit** for the full amount paid by the customer. - On the next line, Centime records the settlement fees: - **Received From:** *Bank Fees Vendor* - **From Account:** Your Fees & Charges expense account (e.g., *Bank Fees* or *Merchant Fees*) - **Amount:** Enter the fee as a negative value (e.g., `-3.00`) - The **net deposit total** should match the actual amount deposited into your bank account (e.g., `$97.00`). - 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