Hi there, 

Thanks for posting your question here in the Community. I'd be happy to clear this up for you. 

With Canadian QuickBooks Desktop accounts, credit card transactions have always had to be processed through a third-party portal. If you're using an American version of QuickBooks, please reach out to our US team here: QuickBooks Community US.

Credit card security procedures on Canadian accounts are in place for your protection. It's important that your financial information stays secure, which is why changing the password every 90 days is required. Removing credit card information won't change this security procedure. 

If you'd like to remove the existing credit card information for your customer, you can do so by double clicking on the customer name, then select Payment Settings > Delete. 

I hope this helps get you back on the right track. 

If there's anything else I can help you with, feel free to reach back out. 

Have a great day!