How do I stop credit cards and apple pay from automatically crediting accounts?

Hi PoFiggy

Can you elaborate on your question a bit to help us determine what you're trying to do?  What is happening in the system; what would you like it to do instead?

Thanks for the response.

When a customer pays with a credit card or apple pay, it automatically credits their account. I'd like to turn that function off if that is possible and enter it manually like I do with cash and cheques. 

Hi profiggy. Glad to hear from you again. Are you referring to Online Payments? If so, I'd recommend changing the preferred payment method for your customers. That way your customers can receive the invoices and pay you the way you'd to get paid based on the preferred payment method you set up. Here's how: 

1. Click on Sales on the left menu and go to the Customers tab.
2. Choose the customer profile and select the Edit button.
3. In the Customer information window, navigate to the Payment and billing tab.
4. Leave the Preferred payment method field blank or with the method of payment you prefer. 
5. Click Save.

I encourage you to give this a try and if you have further questions, don't hesitate to reach back to me in the comments below. I'm here to assist.