There's always a work-around! Thanks for your suggestion. The vast majority of my customers pay me directly via c/c, but I don't use Intuit to settle my c/c accounts because their fees are too high. The issue for me is that I need to keep the c/c on file to keep charging my regular customers manually.  I use a slightly different method than yours. The only payment option that QB provides that doesn't trigger the credit card through Intuit method is "Cash." Even if you set up your customer to pay by cheque, the c/c method will still be checked on the payments window.   So I set Cash as the payment method for all my customers, including those that pay by c/c. I record the card details in the Notes section of the customer's account record for easy access.