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I’ve got here some articles that you can utilize in creating invoices and processing payments using your card reader. These links can guide you through the steps by steps process in effectively recording this:
You might also want to check for the complete guidelines in case you need to refund your customer in the future: Record a customer refund in QuickBooks Online.
In case you need to learn some tips managing your QuickBooks Online (QBO) account effectively, visit our QuickBooks Support page for guidance. We have articles there that you can read for your future reference.
Let me know if you have any other concerns or questions supervising your customer payments. I’m always around to help you. Have a good day and more power in your business!