Thank you JasroV.

I feel like I need to explain exactly what happened.

I invoiced a customer in September. The customer made 2 payments towards the invoice but never paid the full amount. He made 2 payments via quickbooks payments-credit card and 1 payment via quickbooks payments-bank.

He changed his mind about the purchase this week and wants a refund. I was able to refund the 2 credit card payments but not the ACH payment. I just now mailed him a check because I couldn't figure out how to reverse the ACH payment online. Now, I'm really not sure how to record all this in quickbooks online. It seems there are so many different ways to do one thing. It's very confusing.