Zoho books: payments versus credits

I like the "credit" function as each credit is created with a "Credit Memo" with a Memo #.

But not the same with payments!!!!!

So I can track credit notes, but not payments!!!!

I would like each payment from a customer created with a Payment # as well.... this way I can track it... and if a payment is applied to 3 invoices, I can pinpoint which payment was applied to what invoices, and for how much each.....

guys, good work, and keep it up!!!!