Can I receive a payment without connecting to a bank

We're glad to see you here in the Community, Syoung.

Yes, we can receive an invoice payment in QuickBooks Online (QBO) without linking your bank account. 

Before that, may I ask if you're referring to payments not posted directly in your bank account? If so, we can manually receive payments and place them into the Undeposited Funds account. This way, we can deposit them at your real-life bank into a single transaction.

To do that:

1. Go to + New and select Receive payment.
2. Choose a name in the Customer dropdown.
3. Check the box for the invoice you're receiving payments for.
4. Select Undeposited Funds from the Deposit to dropdown.
5. Fill out other necessary information.
6. Select Save and close.

For more information, please see this article: Deposit payments into the Undeposited Funds account in QuickBooks Online.

However, please don't hesitate to leave a response below if you're referring to something else. We'd also appreciate it if you elaborate on your concern further so we'll have a better understanding of it and provide you with an appropriate resolution.

For your future guide, you can check out this article if you'll have to return your customer's money as a refund: Record a customer refund in QuickBooks Online. It contains various scenarios to track customer refunds properly.

Feel free to visit us in the Community if you need additional assistance receiving payments in QBO. We'll ensure to get back to you to answer your questions as soon as possible.