1. Are you saying that if I drop the credit card feature to pay online with QBO invoices, that the "pay with check" feature can't be used either? 

2. "To keep the ability to manage customer invoices, I'd recommend looking for another third party application that provides online services." I don't understand that statement. Are you suggesting that I drop Quickbooks Online and go to one your competitors like Patriot Software? 

3. If I drop Quickbooks Merchant Services, I am assuming that I can still uses QBO invoices, but with no online payment feature. My customers can just mail me a check or pay with Venmo or Square. Please confirm.