Authorize.net SIM --- if that's what you're using, leave it enabled.

Credit Card - Offline Processing .... unless you're processing cards offline by manually keying in numbers after matching them up from your store's admin and an email, you should CLICK REMOVE to stop that module from being used. Do NOT just set its status to "false".

Same with Check/MoneyOrder.

The freecharger module is used to process orders that are for $0.00