Welcome to the Community, @taylor16.
Let me add some info on how you can disable this payment method so that you can only make it available when you select it.
You can turn it off by unchecking the Cards and Bank transfer options on the Online payments section of the Invoice form. Please see screenshot below:
Additionally, if you wanted to turn off these payment options permanently, I'd recommend getting in touch with our QuickBooks Payments Support. They have the resources to check you account and help you with this preference. You can get out updated phone number through this link: Contact QuickBooks Payments.
Just in case you need a reference on how to search for recorded fees and deposits and get a detailed statement, which includes all the fees you paid: Search for deposits or fees in the Merchant Service Center.
Please let me know if you have more questions about QuickBooks Payments. I'll reply as soon as possible. Take care!