Same issue here. We didn't realize it was asking our customers to pay until today. I can see how to change that for the single estimate you are working on. To change it on a single estimate: scroll down to the bottom of your estimate, lefthand side it gives the option "Customer payment options" Choose to edit that option and turn off the payment options. Then when you send the estimate it will only say "Print or Save".

I want to make this change the default for all estimates without needing to toggle off the payment option. 

Is there a setting we can change to take "review and pay" off estimates sent?