Hi, Bal,

From what you've told me, it doesn't seem there's any reason why you can't still use AP if that's what you want to do. As you say, the VISA is being paid out of the bank still; it's just that the actual method has changed to an automatic withdrawal.

You could record the VISA as you always have and enter the payment into AP without actually producing a cheque.

Do you or does someone else in your company do the entry to GL? If someone else, you might want to discuss with them what you are doing so they don't end up entering it as a separate GL entry.