During the credit card payment post process, SmarterCommerce can update the Accounts Receivable Trade account and move monies to be collected from your merchant bank to a temporary clearing account (configured within Automatic Accounting Instructions), crediting accounts receivable trade and debiting configured clearing accounts. 

Based on how monies are transferred from your merchant bank to your operating cash account, create a clearing account within your chart of accounts to assist with reconciliation of monies transferred from your merchant bank.