This option can come from your current customer payment processor, Chris.
Currently, QuickBooks Online (QBO) only offers customer financing options and is limited to estimates for now.
To learn more about the Buy Now Pay Later option or to disable it, consider contacting the third-party payment processor's support team. They can explain how it works, its benefits, and how to remove it if needed.
When you're ready to record customer payments, review this material as your guide: Record invoice payments in QuickBooks Online.
Let us know in the thread if you have additional questions about invoices or related concerns. We're here to help.