Thanks for the answer , but it did not clarify my question.
  Similar was already in your Q / A .

 But my question is specifically about  a reverse the transaction  (made  not  today, but earlier  )  to  customer's checking account   (NOT  CREDIT CARD)
The first part of your answer applies only to Credit Card Transactions
 

          Credit card transactions

                       Charge a card
                       Reverse a transaction
                       Authorize funds
                      Capture authorized funds

And the second part of your answer means only a formal record of the return without its banking action (maybe we just don’t have this function?)

Today we have to make a refund of money , withdrawn from the customer’s checking  account,   with a check sent by mail.

Perhaps we don’t  fully understand  something.

Nash Dom