On-Account Credits vs. On-Account Cash

We have a situation where an AR invoice is paid, hence receipt is applied on it. Now customer returns the goods and hence a full/partial credit memo is issued. We don't want to refund the money to the customer. Business wants this credit memo to be applied on the invoice only if there an open balance on the invoice, otherwise they want it to be on-account credit. They don't want the receipt to go on-account by using automatic receipt handling for credits. The reason, when we submit our direct debit automatic receipts our receipt rule is one per site. Hence