Order Entry multiple payment (check and Credit card) CC authorizes and settles FULL order amount vs

We're on 12.1.3

In OM we enter prepay orders. The customer may enter payment with a combination of check and credit card.

Say the order is for $100

Payment by check of $50

Payment by Credit Card $50.

The check and card payment are remitted in AR on say 14-MAY-2015.

On 15-MAY-2015 the credit card was authorized and delayed captures for the full $100.

Now we have to refund the customer $100. This shouldn't have happened.

Can anyone explain how they are handling multiple payments in OM involving credit cards? Is it working?

Thanks,

AG