How do I make credit card payment an option as opposed to a default when I create an invoice? I do not want to always allow the customer to pay with a credit card.

Let me guide you through turning off the credit card payment option in QuickBooks Online, @don124.

If you have subscribed to QuickBooks Payments, we have two options to turn off the credit card payment option.

If you want the credit card payment to be turned off to a specific customer, here's how we can do it:

1. Click the +New icon. 
2. Select Invoice. 
3. On the Online payments, click Edit.
4. Turn off the Card option.

On the other hand, if you want it to be default, we can go to the Account and Settings:

1. Go to the Gear icon, then select Account and Settings. 
2. Navigate to Sales. 
3. Scroll down, then locate the Invoice Payments.
4. Click the Pencil icon, then toggle the Accept Credit Cards to turn it off.
5. Click Save, then Done.

However, if you don't have a QuickBooks Payment subscription, you can choose a payment method through your customers profile: 
1. Navigate to Sales, then go to Customers. 
2. Choose a Customer, then click Edit.
3. Scroll down then locate the Payments.
4. Choose a payment method you want, then hit Save.
 

I've added some screenshots below for your visual reference: 

Also, I've added this article for you to learn about the standard payment fees: Standard Payment Fees and Rates.

You can also read the information from this article to learn more about QuickBooks Payments: Common questions about payments deposits in QuickBooks Online.

Let me know if you have further queries about the invoice payment or any QuickBooks-related concerns. Keep safe.