I think you have 2 choices. A) Record an adjustment to the pledge - either to bring it either up to the gift amount or down to zero. Then enter the payment either as a payment to that new adjusted pledge or as a regular cash gift. Adjustments get brought over into FE so this should work. B) use a gift...

I have currently started doing this because I have started coding adjustments so they know which ones are 'writeoffs' (previously audited years pledges/payments for example)versus which ones are just adjustments to this year (Fund/Campaign, etc.) Use a Gift Subtype and then pull queries by this...