I can see the urgency of turning off the credit payment option of your invoices, @Marichel. Allow me to assist you further so you can successfully turn off the process credit box.

Based on what you mentioned, the credit card payment box in the receive payments page is automatically checked. To avoid this, I suggest that you uncheck the Process credit card box first so that the option to enter credit card details will disappear. Then, once you're on the receive payment page, please make sure to select the correct payment method.

I'll attach some screenshots for further details:

Moreover, you can verify when QuickBooks deposits your customer payments into your bank account by visiting this link: Find out when QuickBooks Payments deposits customer payments.

Please leave a reply below if you have any follow-up questions about managing your payments or additional QuickBooks concerns. I'll be standing by to help you out.