Changing the payment gateway from 3D to 2D is unavailable, nushantsharma1.
The payment gateway used in QBO is usually dependent on the financial institution or payment processor integrated with the software.
Having a 3D payment gateway system offers several advantages. This provides an additional layer of security by implementing a two-factor authentication process that helps protect against fraudulent activities and reduces the risk of unauthorized access to sensitive payment information.
I'm also sharing this article to guide you on how your customers can pay for their invoice with a debit card or credit card, processed by PayPal in QBO: Create an invoice your customer can pay online.
You can count on me if you have further questions about customer payments or any other QuickBooks tasks. I'll be sure to lend a hand.