negative payments

Hi. I have a customer who's payment bounced. I have already recorded the payment before it bounced. Now I want to show that it's bounced, and add the bank assessed fee to the invoice.

according to these:
https://help.zoho.com/portal/en/community/topic/edit-payments
https://help.zoho.com/portal/en/community/topic/how-to-record-a-refund-event

I should be able to enter a negative payment, but I'm getting the error "Please make sure that the payment received is not negative."

What am I supposed to do? It seems that this system really should allow negative payment for this reason!