Hello.  We have a customer who paid an invoice back in January via ACH.  They have changed their mind and requested their money back this month.  The owner of our company has wired the money back to the customer.  It doesn't seem that I should create a credit memo because we are not issuing this customer a credit.  Is that a correct assumption?  And we've already made the payment back to the customer - the wire transfer is showing now in our bank account and is ready to be categorized.  How do I account for all this in QuickBooks Online?  Thank you for your help!