That is, unless it is a merchant center payment from Intuit. That can never be deleted I have been trying for years and they are always present. You have to massage it with journal entry work-around which is a complete book-keeping mess. They nail you with the $10 fee and make you spend 30-45 minutes trying to figure out how to rectify and manage the ACH or CC payment through QBO & Merchant Center.

Users have complained about this for years, yet still no real fix that provides a simple 'NSF' selection button/check-box that will make it very accommodating for the user.