How to - pay a credit on customer account via EFT

I have a customer account with credit line items only and with no prospect of a debit anytime soon. The customer with not accept a payment by cheque and insists on payment by EFT.

Running F110 against the customer account is no good as the amount is a negative.

I could create a vendor account and transfer the amount to it using FB01 and then use F110 on the vendor - do-able but cumbersome.

Any better idea ?

Thanks, John