Options for enter a single payment as two different Receipt Types

We routinely receive individual payments from customers that pay a mix of "Standard" invoices as well as "Miscellaneous" Activities.

The options we've considered include...

1) Enter an invoice for the "Miscellaneous" portion, and treat the whole payment as "Standard". (This is a fair amount of work, but it allows the receipt to be cleared on the bank statement)

2) Break the payment received into two AR Receipts, a) A "Standard" to match to the invoice and b) A "Miscellaneous" for the balance. (This is simpler, but means the receipt has to be manually cleared on the bank statement).

Are there any more elegant approaches?