Hello there, @plchamber.
I know how important to your business to disable the scheduled payment. Since this is the latest feature updates in QuickBooks Online, we don't have any option to disable the schedule payment feature once it's already in your QuickBooks Online account.
However, if you want to pay your bill manually, you can simply click the arrow icon next to the Schedule Payment and select the Mark as paid. The Make payment option has been changed to Mark as paid.
You can read these articles for more detailed information about the online bill payment feature in QuickBooks Online:
For your future help, in case you'll need assistance in navigating bill payment, you can always visit this link: QuickBooks Online Help Article
If you have follow-up questions, please don't hesitate to leave a message in the comment section. I'll be happier to help. Take care and have a great day!