You can hide the 'process credit card' box on the Received Payment screen by going into your Customer's page (https://qbo.intuit.com/app/customers), going into the Customer, and clicking the Edit button for the customer. In the edit pane that pops up on the right side of the screen, scroll down past the Customer's name and contact, address, and notes and attachment sections, to the payment section. Change the Customer's "primary payment method" dropdown to "Check" or add a new one called "Other." Click the green Save button at the bottom of the screen.
Now that annoying box will only appear if you choose credit card as the payment method when you're in the Receive Payment screen. The box will still be checked by default if you do select "credit card" as the payment method for that Payment, but you can easily leave the payment method as Check or Other and still give the customer credit for making the payment without Intuit trying to charge the card automatically.
