To manually invoice the customer, you need to disable Paypal. You will then have emails from customers who cannot pay but want to. Therefore, you will need to explain to them why your paypal is disabled, that you will invoice them, and they can pay from there.
Now, forcing people to pay via credit card is a longstretch since people love their paypal - especially at this time of the year when fra ud runs rampant. Best to have a merchant account that accepts Paypal like authrorize.net or others.
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