I used to use quickbooks.  In quickbooks, it was possible to use the check writing feature to add an expense that was on the bank statement that did not go through the AP and check writing process.  I would write a check, assign it a number like etf (for electronic payment) and a number; to whom the money was paid on the date, and the assign the expense account information on the check stub for the payment.  It was possible to break out interest and principle for credit card payments,  or straight expense account info in creating a check off of the bank statement.  this was simple to use because all expense transactions could be recorded using the exact same process, when paid electronically or by check payment or by credit card.

In Zohobooks, it seems like to achieve a similar result,  one needs to do more work.  Create an ap expense to categorize and then match the payment off the the bank feed.  Or maybe I need a better understanding of what categorized vs matched means and how it works specifically when one needs to split a payment for say a credit card payment which has an interest expense and a principal payment component in the payment.