Solar panels appear dark - more so than a 23% reduction can account for. The whole of the other 77% will not immediately turn into heat, but the bulk of it will. Some photons bounce, with a dependence on colour - but what happens to them then? A tiny amount will escape the Earth, with the rest absorbed by objects, atmosphere and eyes - mostly becoming heat. And what happens to visible light when it loses “a little energy”? It becomes infrared - y’know: heat.