You have set up a customer group with the option “No On Account option, Integrated Credit Card Only” selected from Payment Setup. However, “On Account” option still appears during the Payment Step in the Checkout process, as evident by the below screens.
For this, ensure “On Account” option is also disabled from Payment Terms because it overrides the settings done at a user-level.
How to disable On Account from Payment Terms
Log in to the Admin Dashboard and navigate to System > Payment Setting > Payment Terms.
Toggle OFF “On Account” button for the Term Code associated with the Customer Group for which you do not want show “On Account” option. Click “Apply” to save your changes.
The Term Code can be found by navigating to Customers > Sage Accounts > Customer Listings.
Search for any customer which belongs to the group in question and click “Edit”.
The Payment Terms is shown under Finance Options panel.
Please note: To verify, log in using a user’s credentials and not assuming a user because “On Account” option always appears when we assume a user’s account.