It's good to see you here, @BeckyV1885. Let me share with you how to enable pay now by credit card/bank payments in QuickBooks.

The Pay Now feature allows you to accept payments on invoices by using a debit, credit card, Apply Pay, or bank transfer. This option will be available on your invoices once you turn on and set QuickBooks Payments. 

To turn on QuickBooks Payments, follow the steps below:

1. Go to the Gear icon.
2. Choose Account & Settings under Your Company.
3. Click Payments.
4. Select Learn more on the QuickBooks Payments option.
5. Choose Set Up Payments to get started.
6. Fill in all the business information including the bank account where you want your customers’ payments to be deposited.
7. Once done, click the Submit button.

By simply following the procedure above, you can now accept payments with the Pay Now button on your invoices. 

For reference, you may check out this helpful tutorial on how to set up and use QuickBooks Payments: https://quickbooks.intuit.com/tutorials/lessons/how-to-set-up-and-use-quickbooks-payments/.

Additionally, here's a link you can view to learn how to receive customer payments for online invoices and in-person sales.

Should you need help managing the payment function in QuickBooks, let me know in the comment section below. I'll be happy to assist you further. Have a good one!