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.