In my business, people make many purchases w/out an invoice using a credit card.  With invoice payments, I record them as sales and deposit the $ to credit card clearing, deduct stripe fees associated on the bank fees line, and then I record the stripe payout as transfers to my bank account.  

With sales w/ out invoices, there is no bank fees line if you deposit to a clearing account.  Only if you deposit to a bank account.  And I cant go back later and change the deposit account on a transaction.  

How do i record the fees properly in Zoho?