I refunded our B2B customer money on their credit card (with the intent of charging a different card, per their request). I want to record this refund transaction properly in QB Online.

To be clear, no products were returned. There is no physical product being added to our inventory.

We issued a Credit Card refund only because our Customer wanted us to charge a different credit card.

Here's how we recorded these entries thus far in QB:

- Invoice for $100 (Our customer's account balance: -$100)

- 1st Payment (by Credit Card) for $100 (Balance = $0)

- Refund Receipt recorded for $100 (Balance = $0)

I expected their balance due to be -$100, since the Invoice is effectively unpaid at this point in the process.

However the Customer's balance is still $0.

It seems the Refund Receipt does not affect their Account Balance.

The Chart of Accounts (however) lists the Refund Receipt as an outflow of funds from our business. 

How to handle this properly in QB, so that the Customer's balance changes when a refund has been issued?

And so that when we reconcile our books, the Payment and Refunds (and etc) match our bank statements.

I appreciate guidance anyone can offer. 

Thank you