As banks have improved their technology 

(a) the time it takes for money to move from one account to another has improved

- it often takes seconds / minutes / hours (first category) instead of days (second category).

(b) the time it takes for them to send you a bank statement has improved

- with real time synch it can be minutes / hours (first category) instead of weeks / end of the month (second category)

Entering Payments in Odoo is optional, meant only for those that will take days to process (or because you can't do daily bank reconcilation) and having them in Odoo is helpful to know your book balance.

If you are in the first category, we recommend reconciling with the invoice (daily) and not worrying about entering payments at all.

If you are in the second category, we recommend entering payments (configuring your Journal with outstanding accounts so your balance sheet is updated) and reconciling (as soon as possible) to the payment (which is already matched to an Invoice or Bill).   

If just one of your payment methods (ie: paper checks) is slow, you can configure outstanding accounts JUST for that payment method and enter payments JUST for your checks.

TL/DR - only create Payments in Odoo if they won't show up in your bank statement a few hours later.

More information at https://www.odoo.com/documentation/master/applications/finance/accounting/payments.html