@GlinetteC I don't think you understand my question. To do what you're suggesting to me - I still need a credit card on file for the customer.

The whole point for me is to NOT have the customer read off their card to me on the phone OR in-person. I want them to be able to digitally send me their credit card info through QBO that I can then store on their customer profile WITHOUT charging them. And then, once I have that credit card, I can charge them automatically each month and just send them the receipt (and not have to wait for their payment like you would if you send them an invoice).

So many companies do it this way - for example, your home utilities company. They will collect your credit card info upfront. And then they just charge you at the end of the month and send you the receipt (not an invoice for me to have to pay separately each month) - and the expenses are variable each month. Everything I'm reading from others in this thread seems to suggest this is not possible through QB, which is really asinine to me in the year 2023. There really should be an option on Quickbooks to send a credit card auth form digitally to collect the credit card information up-front, which can then be stored under the customer profile to be charged automatically by the seller after services are rendered for a given month.