I understand your point, @Frustrateduser123.

Having the option to automatically create a credit memo for an over-payment is more convenient for your work and to other users.

I'll let our product engineers know of this feature request so they'll consider adding this in the future. 

In the meantime, you'll want to visit our QuickBooks Product Updates page to know what's new in QuickBooks.

You can always get back to us if you have other concerns with invoice payment. I'd be glad to help.