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You can use QB Payment or a 3rd party supported payment processor to integrate with QBO.
Hi there, @lamapaca. I'd be delighted to share some insights to help you with your concern about using QuickBooks Payment methods.
I'd also agree with what Fiat Lux - Asia stated above that it depends if you'll want to use QuickBooks Payments, where you can have a credit card, debit card, and ACH method for payment. Otherwise, you'll want to consider looking for a third-party app that allows the feature you need. I'll show you how:

Once you're all set, you can visit this article to guide you further in taking customer payments from any QuickBooks product: Take and process payments with QuickBooks Payments.
For future reference, here's a helpful resource to learn more about how to check when QuickBooks deposits customer payments into your bank account: Find out when QuickBooks Payments deposits customer payments.
Please let me know if you need clarification about managing payments, or if there's anything else I can do for you. I'll be standing by for your response. Have a great day, and stay safe.
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