Welcome to the Community space, @CharmCr. We see that the credit card option is more feasible on your end when receiving payments from your clients. You're in the right place, so let's get straight on our goal.

The only option to delete any payment method is to make it inactive. However, if you formerly used it, we'll need to change the payment method of each transaction that uses that method. 

Here's how to make a payment method inactive:

1. Click the Gear icon, and choose the All lists option below the LISTS column.
2. Select Payment Methods.
   
3. The lists of your payment method will show. Click the dropdown icon beside the payment you want to delete. 
4. Pick the Make inactive.
   

If you encounter the prompt message, "This payment method can't be deleted because it is used on a customer." As mentioned above, we need to change the payment methods of each transaction to make it inactive. 

However, if the transaction of that payment method is too many for you to change and will draw a lot of your time, we have a workaround here. Every time you create an invoice, put a checkmark in the Cards field before saving it.

Moreover, we'll share these articles for future help:

• Edit a customer's credit card information in QuickBooks Online.
• Customize invoices, estimates, and sales receipts in QuickBooks Online.
• Record your payments to credit cards in QuickBooks Online.

We're pleased to have you here. Please come back if you have additional questions. We'll answer it promptly. Thanks again, and have a good day.