The option to Record a Payment should not be allowed when making a payment by credit card. Since switching to Stripe payment processing and the updates that have taken place in Thera Nest, we’ve noticed that you can Record a Payment by credit card without actually charging the card. This ability should be inactivated or maybe at least move the two options further away from one another, as this creates confusion and the possibility of missed payments.
For those who wonder, I found that in Thera Nest the Payment Methods report can be run to discover these missed charges. Toggle the Paid with a Card option and any that say No have not actually been processed.