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I'd be glad to provided the steps on how you can add the credit card option,
Let's make sure to set up QuickBooks Payments by following these steps:
You can read this article for reference: Connect your QuickBooks Payments account to QuickBooks Online.
Once done, make sure that Online Invoice is selected from the Online Delivery settings.
Finally, add the payment options when you create the invoice. Go to the + New > Invoice. Here's what it looks like:
I'm also adding this article as guide on when payments are deposited: Find out when QuickBooks Payments deposits customer payments.
Should you have more questions related to QuickBooks Payments or other concerns with QuickBooks Online, I'll be right here to answer them. Have a good day!