Hello, @marvhen.
Yes, even if you cancel your QuickBooks Online subscription, you'll still have access to QuickBooks Checking and QuickBooks Payments. This gives you the flexibility to manage your finances even without a QBO subscription. It's important to keep in mind that the fees associated with these services will vary depending on your merchant service provider.
I also recommend contacting our Sales Department Team to check your payments account. You can find the Talk to Sales with the contact number at the top right corner.
Moreover, I'll include this article if you want to refund your customer's payment seamlessly, please read this article for guidance: Void or refund customer payments in QuickBooks Online.
Nonetheless, we're excited to still be able to offer you these great features, and we hope they continue to provide value to your business.