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If you are using QBD 2019-2021 and running a B2B company, you can open a Melio account, accept the payments for free, and integrate it with your QBD file. If your customer insists on paying by credit card, you can choose if you or your customers cover the 2.9% tax-deductible fee on credit card payments. They will release QBD 2022 next week with the billpayment feature powered by Melio.
https://melio.grsm.io/get-paid
You can share this reference link to help your customers pay your invoice with the payment link powered by Melio.
https://melio.grsm.io/how-to-pay