How do I remove a credit payment from the customer in quickbooks online?

Hi there, Bengie322.

I appreciate you posting here in the Community. I'm here to address your concern about removing the credit applied to your customer's account in your QuickBooks Online (QBO) account. 

We have to create a service item so the canceled bank transfer won't be credited to the new invoice that you created. The reason why it was credited to the invoice was that there's no transaction affecting your accounts receivable resulting in having the balance. To fix that first, we have to identify the rejected payment by visiting your Bank Deposit and find the rejected payment. Kindly take note of the information.

Then, let's create the service item to track the rejected bank transfer. 

1. Go to Gear Icon ⚙, then choose Products and Services.
2. Click on the New tab, then select Service.
3. Enter the rejected bank transfer in the Name field.
4. In the Description field, enter "Bank transfer payment received rejected by the bank".
5. Select Undeposited Funds from the Income account ▼ dropdown.
6. Once done, choose Save and Close.

After that, edit the invoice where you applied for the payment, then apply the Rejected bank transfer item you created in the Product or Services column.

To know more about the step-by-step process, visit this article: Fix a rejected bank transfer payment in QuickBooks Online.

In addition, learn how to void or refund payments to your accounting accuracy in QBO: Void or refund customer payments in QuickBooks Online. 

Let me know if you have further questions about recording your invoice in QBO. Just leave a comment. I'll be sure to answer them as soon as possible. Keep safe!