Is it possible to have your invoice payment options to default to NOT accept Credit cards. So then you can go back and turn on credit card payments?

Hello there, Eric. I can show you how to turn off your Online payments in QuickBooks Online (QBO).

Yes, you can turn off credit card payments anytime you want. You can turn off this feature under Online payments on the invoice.

When creating an invoice, you can choose a payment method via Credit card or Bank transfer. You can uncheck the box if you don't want to accept credit card payments.

I've also added a screenshot for your visual reference.

Furthermore, if you want to refund a customer, you can visit our article on how to void and refund payment in QBO: Void or refund customer payments in QuickBooks Online.

Comment in the post if you still have concerns about managing your payments in QBO. I'll be glad to assist you always.