Hi Jim,
I will take inpuut from anyone. I appreciate any input.

I oversimplified because it really is a lot simpler than you think. It is not really a credit card transaction and there is no Sears or any other such entity involved.

My question is really about the concept. To boil it down, the question is: Is it necessary to create the 3 separate records or would I be making a mistake if I only create the 1 record but it is viewed as different "things" (for lack of a better way of saying it) depending on whether you are looking at it from the Account or from Payables.

Thanks again,
John