I appreciate your feedback about how the payment feature works, @asmock.

I understand the need to turn off the credit card option and just wanted to accept ACH payments in QuickBooks Online (QBO). And I can see how this would benefit and empower your business. I recommend sending this request straight to our product engineers through feedback. 

To send feedback, follow the below steps:

1. Go to the Gear icon at the top.
2. Select Feedback.
3. Enter your comments or product suggestions. 
4. Then select Next to submit feedback.

To be updated with the recent and upcoming changes for QuickBooks products, visit these sites:

• QuickBooks New Features and Innovations
• What's New in QBO?

If you have other concerns and questions about managing your QBO account, I'm always around to help. Take care, and I wish you continued success.