Hi @user62652,

Instant funding is an opt-in only service; once added to the account, it can not be disabled, unfortunately, and we have no way of removing your debit card. The best option for you at this point would be to cancel your existing merchant account and sign up for a new one without the Instant funding option. 

Also, just to clarify, the additional 1% is only on the transactions you choose to receive instant funding on.  When you process an eligible sale, there will be an option in QBO where you can request the instant funding on a specific transaction.   Your account is not defaulted to where all your transactions are instant and you are immediately charged the additional 1%.