AR factoring when receipt is short paid by factoring fee

Hello,

We often sell our receivables to the bank/3rd party, and receive payments with factoring charges already included.  Example:  Invoice/receivable amount = 100, factoring fee = 10, receipt amount = 90.  We'd like to know how Oracle's factoring feature solves for such scenarios where the receipts are less than the receivable amount.  Is there a way that Oracle can close out the receivables?

We have tested with Factoring remittances and receipt classes, but do not see a way to solve the issue.  Based on our testing of Factoring remittances and reading through the questions posed in this space, as well as Oracle's standard documents, it seems like Oracle assumes that the receipt amount is the full amount of the receivables.  Would you please confirm?  Is there an automated way to close out the entire receivable and account for the factoring fee?