How to relate Transfer Sales to Cash to Customer?

[Fran_3]

 When a customer pays cash or by credit card there is no reason to create an invoice... so we click Accounts Tab -> Action -> Transfer
and transfer directly Sales to Cash
But there seems to be no way to relate this to a customer so when we run a Customer Report the transactions don't show up.
Is there a way to fix this short of creating an invoice first... putting it in Sales and A/R
And then "Process Payment" to take it out of A/R and into the Cash account?
Thanks for any help.
Fran3