QB Issue Resolution:

There is a On/Off button at top of invoice, then there is the Payments setting. I believe you can have payments tuned on in company settings, but turn the online payments off on the invoice or sales receipt. But not vice versa.

Resolution for Issue 'In QBO, can I stop it from online payments being turned on by default?' available: Yes (Solved).
Source: Intuit Community forum.

In QBO, can I stop it from online payments being turned on by default?: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

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