AR Receipt - on Account

We have a situation, we have invoice that are paid CIA and when a return takes place the Credit Memo applied to the invoice and takes the payment on account.  Now is there a way when the payment gets on account, Can we set a mapping to post to a GL depending on the type of payment and transaction type.  For example if the transaction was paid by visa and there was a return, the credit memo applied to invoice and the visa payment went on-account. The GL posting will post a 'visa on account' account.  Right now, we have