Refund Customer Credit

Hi, 

I need help to make a payment for customer credit. I have followed the below instruction and there is no section asking for the bank details of the customer nor I can't create a bill payment. Just checking, am I missing something here? 

Step 1: Record the refund for your customer

1. Select + New.
2. Select Expense, Add expense or Check. If you're in the Business view, follow the steps to switch to Accountant View First. Then come back to these steps.
3. Select the customer you want to refund from the Payee ▼ dropdown.
4. From the Payment account ▼ dropdown, select the bank account where you deposited the overpayment to.
5. On the first line of the Category column, select Accounts Receivable.
6. Enter how much you want to refund in the Amount field.
7. Fill out the other fields as you see fit, then select Save and close.

Step 2: Link the refund to the customer's credit or overpayment

1. Select + New.
2. Select Receive payment.
3. Select the same customer you used for the check or expense when recording the refund.
4. Fill out the other fields as you see fit.
5. Under the Outstanding Transaction section, select the checkbox for the Expense or Check you created when recording the refund.
6. Make sure the payment is equal to the open balance, then select Save and close.