Credit memos, refunds as credit, and prepay packages

Give a customer documented account credit, return a payment either as money or as credit, and collect prepayments that draw down future invoices.

Where: Customer 360 (open a customer) -> billing actions; refunds under Money -> Payments & refunds

1. To credit an account: open the customer, click Issue credit memo, enter an amount and a reason, and issue it. The dollars go to their credit balance and can be applied to a specific invoice or voided later.
2. To sell a prepayment: open the customer, click Sell prepay package, enter the amount collected and any bonus credit. The full package credit is available immediately and automatically draws down future invoices.
3. To refund a paid invoice: open Payments & refunds, find the invoice, and click Refund.
4. Choose Money refund to send the card charge back through Stripe (it also flags any cash/check owed), or Refund to account credit to move no money and create spendable customer credit.
5. Either refund choice closes the invoice and removes it from collected revenue.