Hi there, @anthonyshologram.
I'm here to help you with your concerns. I'd like to know why you're not able to take credit card payments. Did you receive any errors? Or if you don't want to take Credit card Payment? Any additional information would be much appreciated.
If you're receiving an error, you may comment it below so that we can further assist you. However, if you don't want to receive Credit Card Payments, you can void the transaction. Here's how:
You may consider checking out this article for more information about voiding your customer's invoice payment: Void or refund customer payments in QuickBooks Online.
Please take note that you need to do this before the cut-off time, 3:00 P.M. Pacific Standard Time (PST). If it's beyond the processing time, I'd recommend getting in touch with our Merchant Services Team. They can pull up your account in a secure environment and process this for you.
I've added this article about the payments common questions: Common questions about payments deposits in QuickBooks Online.
You're always welcome to comment below if you have other questions. I'd be happy to further assist you. Take care.