@mwillselectric-g Cheers to your post.  I also have had the same thing recently happen to me.  In the past, I have only accepted ACH payments; however, somehow the PayPal option had been changed to on.  I did not change it.  It seemed to have happened when QBO mandated the new invoice layout - (which again is a pretty sorry situation when the customer cannot revise the invoice to match their business model).  I don't know why changes are made without a simple email to customers to let them know the changes.  Since the PayPal option was enabled without my knowledge, it has cost me money in merchant processing fees which I try to avoid at all costs.