I've got the steps you need to convert your estimate to invoice, @SueGat.
You'll want to go to the Sales menu and convert your estimate from there. I'll show you how:
- Go to the Sales or Invoicing menu in your QuickBooks Online (QBO) account.
- Select All Sales.
- Find and open the estimate you want to convert.
- Check the status of the estimate under the customer’s name. You can only convert an estimate with an accepted or pending status. If that’s the status, skip this step.
- If the status is closed or rejected, select the drop-down.
- Select either the Accepted or Pending status. Then select Save.
- Click the Create invoice button.

- Make some modifications if needed, then click Save and send or Save and close.
I'm attaching this link that you can read for more details: Convert an estimate into an invoice in QuickBooks Online.
Once your customer accepts your invoice, you can utilize this article on how to record their payment: Record invoice payments in QuickBooks Online.
You have my attention whenever you need further assistance with your estimates and invoices. Just add the details in your response and I'll answer them for you. Keep safe and more power to your business!