How can I disable the new "Charge saved payment method" for all invoices by default?

I just found a thread from last year that asks the same thing.  

Apparently you can't turn it off.  

https://quickbooks.intuit.com/learn-support/en-us/banking/how-do-i-turn-off-the-new-default-that-sav...

Hello, @amescuff. I understand how challenging this is for you. Since this feature cannot be turned off by default, you can merge the original customer record with a new profile that does not contain stored credit card data.

1. Head over to the Customer Hub and select Customers.
2. Click New customer in the upper right corner.
3. Fill in their details just like the original account, but keep the Payment and billing section blank this time.
4. Add a 1 to the end of their name in the Display name as field (so, if it was Sample, make it Sample1).
5. Then, click Save.

We'll merge your original record into this new one to clear out the old payment info:

1. Go back to the Customer Hub and find your original customer account, then click Edit.
2. Add a 1 to the end of that name as well.
3. Once you click Save, QBO will ask you to confirm the merge.
4. Select Yes. This effectively updates the record, removing that stored credit card info with the new, blank version.

Finally, you can just clean up the name by returning to the Customer Hub one last time and opening the merged customer account by clicking Edit.  Simply remove the 1 from the end of the name so it’s back to how it was originally.  Click Save, and you're all set.

You can also check this article for more detailed information: Delete your customer’s credit card number.

Let us know if you have further questions. We're here to help you anytime.

This is not a solution. Many of my customers do want a card saved on file that I can charge once they have had a chance to review and accept the invoices. There needs to be an option to turn this feature off.

We just ran into this same issue with one of our customers. I can’t believe this cannot be turned off! I can’t believe QuickBooks thought this was a good idea. And no vendors world is this a good idea.

Hi @amescuff. I’m joining the thread to point you in the right direction to disable the Charge saved payment method feature in QuickBooks Online.

Please contact our Customer Care Team so they can access your account securely and conduct investigation to determine the root cause on why it automatically turns on when you create a new invoice. To start, go to Help (?) and select the Assistant or Search tab. Type Talk to an expert or select Contact Us.

For support hours and availability, please refer to this page: Get help with QuickBooks products and services.

By doing so, they can provide more details about the feature and provide further instructions on your next move.

Feel free to click the Reply button if you have any other questions about QuickBooks.

Hi Kurt, thank you for the response.

I've just finished chatting with customer support, and they confirmed to me after consulting with the internal support team that there is currently no option to disable this feature, even from their end. 
She has submitted my feedback, but until the product & engineering team implement an option to disable this, I will still be stuck turning this off manually on every invoice.