I want to change the default payment options to exclude the use of credit cards. How do I do that?

Welcome to the Community space, @r-neal. You can access your QuickBooks Online (QBO) company settings to exclude credit cards as a payment option.

This area allows you to customize various aspects of your QuickBooks experience, including invoice payment methods.

Here's how:

1. Go to the Gear icon, then Account and settings.    
    
2. Select Sales and navigate to Invoice payments.
3. Toggle off the Accept Credit Cards option.
4. Hit Save and Done.

You can always return to this thread if you need further assistance.