I was in Settings > Payments > Manage to put my unlaunched store into test mode. There is a red button "Deactivate Shopify Payments" that I cannot find the purpose for in the documentation.
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This is an accepted solution.
Shopify Payments is enabled by default in stores that are in supported countries. The "deactivate Shopify Payments" button is intended for store owners who do not wish to use Shopify Payments for their store. The button would allow them to enable a different credit card provider to accept payments.
Let me know if you have any questions!