Let's work together and update your preference, @Chalcedon.

In QuickBooks Desktop, there is a tool you can utilize that'll allow you to repair any unexpected behavior like how you're unable to see this Apply to All Customers button. I'll show you the steps on how to accomplish this.

First set:

1. Download the QuickBooks Tool hub.
2. Open and install the downloaded file.
3. On the QuickBooks Tool app, select Program Problems.
4. Click Quick Fix my Program.

Second set:

1. Go to Start.
2. Select Control Panel.
3. Under Program and Features, select Uninstall a Program.
4. From the list of applications, select QuickBooks.
5. Select Uninstall/Change.
6. Click Repair.

Now you can go back and recreate it making sure the online payment is enabled with the help of the steps outlined in this article: Take and Process Payments in QuickBooks Desktop.

You might also want to consider reading this reference and understand how long it takes to get customer payments in your bank account after you process them: Find out when QuickBooks Payments Deposits Customer Funds.

You're always welcome and free to leave a comment if you've got other concerns with invoicing and payment processing I'll be here ready to help. Stay safe!