You are correct that the only option is to cancel the recurring payment and have your customer sign up again, @kevin204.
Keep in mind that your customers can also cancel recurring payments on their end. For more details, refer to Who can cancel a recurring payment section in this article: Recurring Payments Overview.
Also, please note that payments that were already processed cannot be modified. Before making changes to recurring payments, review this resource for helpful reminders: Modify existing recurring payments.
If you have any further questions or concerns related to recurring payments in QuickBooks, feel free to leave us a message.