Change default settings recording receipt of payment (non-subscription)

[WB]

I would like to be able to change the default settings of recording receipt of payment in case of non-subscription invoices. Specifically:

1) E-mail client: default setting is to send (automatically) e-mail confirmation to clients when payments are recorded as received; I would like to be able to untick this option.

2) Payment method: default setting is 'cheque', which on main land Europe are hardly used; I would like to be able to change this default to 'bank transfer' or 'wire transfer' (I would say the default on main land Europe).

Path: left hand side bar Commerce > Invoices > Click invoice number > side screen opens > Click actions > Dropdown menu opens > Click actions > Record Payment > the screens opens on which I would like to have other default settings.

Hope this is clear and can be dealt with soon.