Hi stephanie-fieve-,

Welcome to Community!  Recording a refund for an unapplied credit card payment ensures your records are up to date and accurate.  With QuickBooks Online Payments, there's two ways you can perform this task.  I'd be happy to go over both options for you.

If you're able to void the transaction before the payment's been processed, there's no fee.  Here's how to void an invoice paid by credit card:

1. From the left menu, select Sales and then Invoices

2. Choose the invoice to void the payment for

3. Select Void from the dropdown arrow in the Action column

4. Hit Yes

The status will now show as Voided.

To refund the payment for a sales receipt, follow these steps:

1. Open + New, and select Refund receipt

2. Choose the customer you want to refund from the Customer ▼ dropdown

3. Complete all fields using the same information from the original sale

4. In the Payment method, select Credit card

5. For Refund from, choose the payment method and account you'll be refunding the customer from

6. When finished, hit Save and close.

You're ready to send or print the receipt.

Here's an article to assist you with voiding or refunding customer payments.

If you have any other questions, please reach back out.  We'd be glad to assist!