How do you make it default to not except an electronic payments through quickbooks

Hello there, cataldi22.

I’ll be glad to assist you in managing electronic payments.

Before anything else, I'd like to ask for additional information to help me get on the same page. Does your word except your query mean to accept or accept?

If so, you can manually turn off online payments through each invoice from QuickBooks Online. This will change the payment method, and your customer won't be able to use it. To change the payment options on an existing invoice, here's how:

1. Go to Sales, then select Invoices.
2. Find the invoice you want to update, then select Edit.
3. From the Online payments section, select Edit.
4. Choose the payment options you want.
5. Click OK. 
6. Select Save or Save and close.

To modify the options with the new invoicing, this article can give you a detailed process: Take and process payments in QuickBooks Online with QuickBooks Payments.

After processing payments, learn how to check when QuickBooks deposits payments into your bank account: Find out when QuickBooks Payments deposits customer payments.

If this isn't what you mean, feel free to add your reply below, and I'll get back here as soon as I can to help. I appreciate any details you can provide. I’m looking forward to your reply.