To get around this, I created a new payment method called "Credit Card Donation" (we're a non-profit) and when you create a new payment method, it asks if this is a credit or debit payment option.  I left that box unchecked.  So now when I'm entering credit card donations that come through other websites, I choose my new payment method and the "process credit card" box does not show up and does not need to be unchecked every time.  You could create a payment method called "Credit" or "CC".