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Hello ika-qb,
I appreciate how needing to remember the change the amounts to what they need to be can cause confusion and mistakes. I want to make sure you have a sense of how the inventory and service features in QuickBooks Online.
QuickBooks' products and services are configured in Canadian currency and cannot be changed to another. So when you say you've configured your services in $100 USD, it's actually set up in $100 CAD, which is why the conversion is happening on the forms to your customers.
With that in mind, setting up products and services that are purchased in USD or that are being sold to USD customers exclusively means doing the conversion to CAD and entering the CAD amount into the setup. That way you can be sure the conversion calculates correctly on your forms.
Here are some articles about products and services as well as multicurrency.
I hope that helps! Let me know if you have more questions. :)