Years ago I processed credit cards through Intuit payments.  In fact, I used several Intuit products because I thought it WAS a good company.  At that point the original fee was refunded and there was no other charge for a refund.  I assumed it was the same way with QuickBooks Payments.  I was wrong!   It's basically a double charge when you issue a refund with no income to offset the fees.   Shame on you Intuit!  I will not do that any longer.  This is just one more disappointment with QuickBooks Online and Intuit in general.  I will be open to other solutions in the future.  Surely they have competitors?