I have the same problem. When a customer accepts an estimate, QB automatically closes the estimate and creates an invoice. I do not have QB payments turned on and do not intend to. I have not asked the customer for a deposit.

I opened QB online in an incognito window and tried all of this - Create estimate, send it via email to my test customer (my private email), accept the estimate, and poof, the estimate is automatically converted into an invoice due in two weeks. 

How can I modify my settings to work so that when the customer accepts an estimate, QB simply updates the status of that estimate to "Accepted"? I will then manually convert the estimate into an invoice when I've completed the work.

Please answer the question.

Thanks!

Tom