Don't track payments in a spreadsheet. Every payment should be tied to an invoice and a customer record so you can see lifetime value, outstanding balances, and payment history at a glance.
Glo Invoice supports card payments via Stripe, manual cash/check entries, split payments, and tap-to-pay. Receipts go out automatically by email or SMS once a payment is recorded.
Customer-reported payments can be marked pending and confirmed by you before the invoice is closed.