Maybe a misunderstanding here because it feels super simple to me. Please bear with me I have thought about this only a few milliseconds:

- give me a summary list of all incoming payments (id. time, comment, withdrawal state, etc...)

- let me query each payment token by id

- once queried, mark it "withdrawn"

Maybe:

- you can additionally have an endpoint that consolidates all outstanding payments into a single token like it does now (which is super useful imo). And then mark all of the ones you've consolidated as withdrawn