Can I turn off the option for customers to pay by credit card (make this the default) and only turn on when a customer asks to pay by credit card?

Thanks for reaching out to us about your invoice payment options in QuickBooks Online, @jbutler5.

I want to make sure you're able to get the information you need about disabling certain payment methods. Please know that when you enable QuickBooks Payments or online payments, the options for credit card is set by default. At the moment, there isn't a way to disable it, so you'll need to uncheck the option as you process the invoice.

You can also manually adjust the invoice by manually adding the  convenience fee. Just in case, I'm adding the steps here to add the convenience fee item:

1. Click the Gear icon, then choose Products and Services.
2. Press New.
3. Choose either Non-inventory or Service.
   
4. Enter a desired name of the fee.
5. Select an Income account, then click Save and close.

If you want to include the interest on the existing invoice, here's how:

1. Press Sales, then go to the Customers tab.
2. Choose the customer, then look for the past due invoice.
3. Add the convenience fee item in the unused line, then enter the amount.
4. Click Save and close.

Please feel free to come back to this thread if you have other concerns with QuickBooks. I'll be right here if you need further guidance.

This is terrible. Shows Intuit is trying to grab credit card fees from customers. Users should be able to turn off credit card payments by default 

Hello Rmongeon. Thanks for chiming in on this thread. Your feedback is important to us and I'd like to help make sure your voice is heard. I highly recommend sending this as feedback directly to our engineers. You can send feedback by clicking on the Gear icon and looking for Feedback. In the meantime, feel free to ask other questions, I'm here to help. 

Figures, not way to do the thing everyone wants to do--typical Intuit.

Maybe we could afford to take credit cards if it were not for the eyewatering cost of QBO, lol.  QBO lost 2 of my 3 companies and I cut my monthly cost from $180 to $80.  Still too much, but have to keep the last company alive for a few months.

The most cost-effective competitor to QBO is QuickBooks Pro 2020.  Not sure why I ever switched, just dumb. 

Would I manually reconcile my bank account and manually do payroll on 1 employee (myself) to save $2000+ per year?  Heck yeah!  QBO prices themselves out of the market for small business, and is not adequate for large business (inventory item limits make it unusable).  No wonder everyone keep using "legacy" desktop.