In QBO we have customers who have credit cards linked to their account for us to process payments with. We only charge their credit card for specific invoices and they pay other invoices with direct deposits. When we go into the "receive payment" module the checkbox to charge their credit card is always enabled which has caused us to inadvertently charge their card when we shouldn't have. We do NOT want to remove their credit card on file, just want to change a setting so that check box isn't automatically checked off.