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The Problem:
When a customer pays more than the invoice total due to tips or card surcharges, Xero’s Add Payment screen forces any amount over the invoice total to be treated as an overpayment/credit, not as intentional extra income. This prevents me from allocating the excess directly to specific income accounts (e.g., Qualified Tips or Card Processing Fee Income) at the time of payment. As a result, I have to use multi‑step workarounds (separate Receive Money and Spend Money entries, later adjustments once bank feeds arrive) just to reflect a single real‑world payment event: invoice amount + tip/surcharge − merchant fee.

Proposed Solution:
Enhance the Add Payment / Receive Payment workflow for invoices so that:

(1) I can enter a total amount received that is greater than the invoice total.

(2) Within the same window, I can split that payment into:

(a) The portion that clears the invoice/AR, and

(b) One or more additional line items mapped to Chart of Accounts (e.g., tips income, card surcharge income, etc.).

Optionally, allow a merchant fee line in the same payment dialog that posts to a fee/expense account and adjusts the net amount going into the bank/clearing account.

This would avoid mislabeling surcharges/tips as overpayments, reduce manual work, and allow Xero to accurately reflect what actually happened: the customer paid [invoice amount] plus [extra income], less [merchant fee], in one integrated payment step.