1. Navigate to Setup > Accounting > Accounting Preferences
2. Go to Items/Transactions tab
3. Under Default Payment Account should be set to null.
4. Click Save
5. Set the Payment Method used for example VISA to Group with Undeposited Funds (Setup> Accounting> Accounting Lists).
After billing the said orders, payments (via credit card) should now go to Undeposited funds.
Note: Your setup per Payment Method takes precedence over the Accounting Preference setup.