Thanks for the quick reply, @jared-nychelpdes.
I'm happy to add additional information on online payment invoices in QuickBooks Online. This way, I can guide you accordingly.
Yes, you need to ask for your customer’s card details and manually enter them into the recurring sales receipt template. See the sample screenshot below for your reference.
In regards to alternatives, we don't have a workaround at the moment. With this, I'd suggest utilizing the recurring sales receipts temporarily.
Additionally, once the invoice paid, you can review the payments in the dedicated accounts you select from the Deposited to drop-down menu.
Feel free to check out these articles below on how to manage customer transactions and a chart of accounts in QuickBooks:
Feel free to mention me if you have additional questions, and I'd be happy to assist you further. Take care always, jared-nychelpdes.