Hello, I thought it should come out of bank account if that is what you are set up with for Managed Payments and your monthly expenses. You say when you go to Payments tab it requests you pay by credit card but you shouldn't be going to Payments. You should go to orders, find the order you wish to refund (I'm assuming they didn't open a case and you are doing this on your own), there is a drop down menu (the v) and refund is one of the options. Try that way and see if it lets you. I know the Payments allows you to be in the negatives (mine is currently for several labels) and they take it from your account if no new payments come in but they usually allow a couple of days for new sales/payments to come through. Though I've not had to do refund this way (knock on wood) but I would think it should be the same.
