Thanks for making it here, malikden.

You can record a refund check affecting the Accounts Receivable account. With this, you should be able to match it with your bank transaction, and at the same time, apply it as payment to the invoice.

The steps below will guide you on how to record this:

1. From the +New icon, select Checks.
2. Choose the correct customer from the Payee drop-down menu.
3. In the Amount ($) field, enter the refund amount.
4. Go to the Expenses tab. Enter the appropriate details in the following fields:
5. - Account: Make sure to choose the Accounts Receivable account.
   - Customer: Job: Enter the appropriate customer.
6. Click Save & Close.

For the negative Accounts Receivables, you can either create a customer credit which you can apply to future invoices or record a refund instead. When entering either of these options, you’ll be asked to retain it as available credit, a refund, or apply it to an invoice.

Here's how to create a customer credit:

1. Go to the + New icon.
2. Select Refund receipt or Give refund.
3. Click the Customer ▼ dropdown, then select the customer you want to refund.
4. Select the Refund From ▼ the dropdown, then select the bank you deposited the payment for the invoice.
5. Add all products or services the customer returned in the PRODUCT/SERVICE column.
6. Make sure to fill the service date, quantity, rate, amount, tax, and other fields accordingly, then select Save and close.

About the refund option, you can refer to Record a customer refund in QuickBooks Online.

For your question about the 10 dollars intuit charge for ACH payment,  I recommend contacting the QuickBooks Payments Support Phone Team. They can review your account and verify the charges.

If there's anything else you need with handling your customer payments, just leave a reply below.