Is it possible to turn off the automatic checkbox to charge a customers credit card on file when using the receive payment function?

Good afternoon, ltaranoff.

Thanks for turning to the QuickBooks Community for support. I'd be happy to provide some information regarding payments.

The option to store a payment method for your customers without having the box automatically checked, isn't available in QuickBooks. I can see how being able to uncheck the box while still saving the customers credit card information would be something you'd like to see, so I recommend leaving feedback by heading to the "Gear" Icon and selecting the "Feedback" option. These comments are viewed and considered by our developers as they create new features and updates for QuickBooks. 

If you have any other questions, feel free to reach back out here.

Thank you for your quick response. I have submitted feedback as you've advised. Hopefully they will take it into consideration as it seems like a bit of a "risk" to have it automatically enabled.

Thanks, ltaranoff.  We appreciate your feedback! 

Im here if you have any other questions. If not, I wish you a great weekend!

This 'feature' of Quickbooks Online is unethical, in my opinion. There is no reason why the checkbox for automatically charging the customer's c/c should be enabled by default, other than that it directs payments to Intuit when the user inadvertently accepts a payment without unchecking the box. The user and their customers are greatly inconvenienced when this happens, and Intuit profits from that inconvenience.

Change this!

We have found a few work arounds that have helped us ensure we aren't inadvertently charging customers credit cards when receiving payment due to the default enabling of payment by credit card. 

Update Payment Methods - this step allows you to adjust your payment methods to ensure only credit cards prompt for automatic payments. 
1) Search "payment method list" - this gives you a report with all the payment methods available in your organization (but no option to delete or make them inactive unfortunately).

2) Edit each payment method to ensure the "This is a credit card" box is only enabled for credit cards. (For some reason nearly all our payment methods had this enabled, I'm not sure why, but it was before my time at this organization).

Update Customer default payment methods - this step allows you to adjust the default payment method to act as a double check before charging a credit card on file.

1) Navigate to the customer

2) Select Edit and scroll to the payment methods

3) Even if their default payment method is a credit card, change it to a method that is NOT a credit card. 

This ensure that if we want to process a credit card payment for the customer, we manually have to select credit card when receiving payment. We prefer the extra step to ensure we are processing the payment correctly. This is also a safe guard for customers who do have a credit card on file, but don't necessarily use it as their default payment for all invoices.

It's not perfect, but it's working for us. 

Hi Itaranoff, your helpful suggestions are greatly appreciated, especially because it appears that Intuit will not fix this problem.

I've just migrated to QB Online from QB Desktop, and the same issue was a problem there. I used the same workaround you suggested. However I've found in QB Online that the only way to keep that box from being checked is to make the customer's primary payment "Cash." Otherwise the box is checked for any other payment method.

Another workaround I'm now using has to do with customer credit card numbers. QB Online won't let you retrieve the customer's full c/c number, which is extremely annoying for those of us who manually process c/c payments with another provider. So rather than enter the customer's c/c data in the Payments form, I put the data in Notes. This allows me to see the full c/c number whenever I need it.

I've complained bitterly about the first problem, because it's obvious Intuit is using that 'feature' to drive c/c transactions to their own payment system, while greatly inconveniencing QBO users and their customers. The second problem I submitted a request to have the c/c data retrievable, but only by password.

Have yourself a great day.