Is it possible to create a AR Refund without using Payables Module

Our client is doing student refunds directly via credit cards and would like to record this on the AR Receipt.

If we issue a refund on a Receipt it creates an Invoice in Payables. We would like to skip that and only have a Refund Transaction Created in AR,

which then gets transferred to Cash management so it can be reconciled against the Bank Statement.

Just checking to see if anyone has had a similar request or a workaround for this ?

Currently the customer is using receipt write off to record the refund and creating a External Cash Transaction to reconcile the Bank Statement.