Can't turn off customer facing autopay?

I have recurring invoices set to go out to 140 people each month for membership dues. I want them to be able to pay by bank transfer, HOWEVER I don’t want them to be set up on autopay because I don’t want to have to chase down bounced payments. I’d prefer them to authorize payment each month, so if it doesn’t go through they see it right then and there. Also, if they cancel their membership I don’t have to issue refunds. 

I don’t need more work to deal with. I already have 140 invoices each month to deal with. 

From what I’ve seen, the only way to disable autopay is to disable the payment method entirely. Surely this can’t be the case?

How can I disable autopay on customer facing invoices?