Hi Jay,
you mention that you want to recognize payments/ receipts without Liquidity Management.
You will not be able enter bank transactions without using a bank statement in ByDesign. (Yes, some US based programs do not use it, but for Europe the bank statement is the document, which is the leading one for bringing bank transactions to the cash ledger).
But, when I understand your requirement correctly, you would like to post an incoming payment transaction without clearing to the customer account. When you upload the bank statement and release it, the system posts Cash in Transit and bank. When automatic clearing fails, then a payment allocation is created. When you enter the customer ID and mark the flag for set payment amount manually and enter the transaction amount, that you want to post "on account".
When you now post the transaction an open payment is displayed in the account monitor. The posting is Cash in Transit and Trade Receivables.
Please check, if this helps in your scenario.
If not, please let me know, what is missing.
Best regards
Marlene