I have payments turned off? But randomly it still appears as an option for my customers to pay online with a credit card. ? I need this fixed.

Welcome to the QuickBooks Community, Joey.

I want to help ensure you can control the payment method settings in QuickBooks Online. Before anything else, may I know if you cancelled your Payments account with us? Any details will help me sort this out.

In the meantime, here's some overview about this topic. The Pay Now option will only appear if the payments box is checked off when you send your invoice to the customer. On the invoice creation screen, you'll see this selection box at the very top of the page, with the Credit Card or Bank Transfer logos next to it. Simply remove the check mark of these boxes before sending your invoice to disable Payments for that specific sale. 

Otherwise, if you still see the Pay Now option even if you have requested your Payment's account to be cancelled, contact our Payments Support directly. To get a live rep to help you, click the following link for our contact details: Contact Payments Support

I want to make sure all your QuickBooks concerns are taken care of, and I'm here if you need further help. Have a good one!