One problem with the new shopping cart feature is we don’t know where to post refund transactions. I’m working on this - when you click refund it will ask you which account to post the refund transaction to. If you are going to refund actual money via Stripe, PayPal, Check, Cash, etc then you will want the transaction posting to your default account. If you are going to refund them with a credit, then you will want to post it to an appropriate money account.
At this point in the process you will have to decide what to do with Sara’s money. You can refund it via Stripe/PayPal or you can transfer it to her money account. Either way, you will need to create the appropriate transaction manually.