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Welcome to Community, mary154.
Allow me to provide some clarification about using multi-currency in QuickBooks Online.
When creating an invoice, you'll see two amounts: one in your home currency and one in the foreign currency. I've got a screenshot as your reference.
Also, when making payment via credit card, the amount will the same as on the invoice, both in foreign currency and in US dollars.
To give you more insights with multi-currency in QuickBooks, please refer to these links:
You always get back to me if you have any other multi-currency concerns. or have follow-up questions about QuickBooks. I'd be more than willing to lend you a hand.