Good day, @dcphillawncare.
I’m here to help record this transaction in QuickBooks Online.
When receiving money from a customer before performing any services, you need to create a retainer or deposit. The funds should be treated as a liability to show that it doesn’t belong to you until it’s used to pay for services.
To start with, you must set up a liability account to track the amount of the retainer. Here’s how:
Now, create a service item that you can use when accepting retainers or deposits. Let me show you how:
Once done, you can start recording the pre-payment. Since your customer is paying using a credit card, you must have a QuickBooks Payments account to process the transaction.
Check out this article to get started: Apply for a QuickBooks Payments account. If you already have a Payments account, follow the steps provided in this article to receive credit card payments: Process a payment in Merchant Service Center.
Right after, you have to manually record the transaction in QuickBooks using the invoice feature.
Here's an article for your reference that covers handling retainer in QuickBooks Online: How to record a retainer or deposit.
That should get you pointed in the right direction. Please know I'm only a few clicks away should you need further assistance. Take care and have a great day!