Refunding credit card credits after invoices paid - QB Desktop

Hello there, @pamphipps70. Let's start from scratch and guide you to refund an upfront deposit or retainer in QuickBooks Desktop (QBDT).

Since you received credits before performing services to the customers, they are considered upfront deposits or retainers. They are treated as a liability to indicate that they don't belong to you until they're applied to pay for services. That said, you need to set up a current liability account for the retainers you received. 

Once done, create an item to accept the retainers and use it when you record the associated transactions. 

To issue a refund, follow these steps:

1. Go to Customers and select Create Credit Memos/Refunds.
2. Select the customer or job.
3. In the Detail section, select the item you created from the Item dropdown list.
4. Enter the Amount to be refunded, then Save and Close.
5. In the Available Credit pop-up, click Give a Refund and select OK.
6. In the Issue a refund dialog box, select the bank account the upfront deposit or retainer was originally deposited in from the Account dropdown and click OK.
7. Select Save and Close.

For complete step-by-step instructions, please refer to this article: Manage upfront deposits or retainers.

Furthermore, you can follow this guide to assist you in reconciling your accounts: Reconcile an account in QuickBooks Desktop.

Keep in touch if you have any clarifications about refunding a retainer in QBDT. The Community team is here to help you along the way. Stay safe.