Thank you for your reply but your method does not work. I migrated from QB Desktop and all my customer's c/c data came with the move. QBO automatically checks the "Accept Payments Online" box on the invoice page if you have c/c data for the customer. Turning off Accept Online Payments in Accounts and Settings does not disable that 'feature.' QBO will continue to try to accept payments through Intuit's payment system. I've found a work-around but it's cumbersome and time consuming. And the risk remains that entering c/c data for a customer will trigger QBO to accept payments that way, leading to double charged - and annoyed - customers.

1. Turning off Accept Online Payments in settings should disable that feature globally, regardless of whether you have c/c data on file for the customer.

A related annoyance is that QBO does not allow you to see the customer's c/c data once you've entered it. This is less than useless for those of us who need to see that data to charge the customer through another payment system. It's also self-defeating from the security aspect because we have to keep the c/c data elsewhere which is less than optimal.

2. An admin should always be able to see the c/c data. Simply protect it with a password so that others can't see it.

The unstated reason for those two 'features' is that Intuit appears to be trying to drive payments through its own payment system, rather than allowing the QBO user to use an alternative system. This is unethical.