Thank you. I think this helped with the first part of the question.

The second part was about recording deposits.

Merchant Services recorded the refund with the daily deposits and I can not do this in QB. So my daily deposits do not match.

MS: 

Customer A Refund <$200.\00>

Customer B Pd Inv.     $175.00

Total Daily Deposit.   <$25.00>

QB Record Deposits

Customer A Refund - Can not record negative amount

Customer B Pd Inv.  $175.00

Total Daily Deposit.    $175.00