Hi there davecat,
It's important that you receive payments from your customers for the services you provide. QuickBooks Online Payments is a great tool able to process payments for invoices you've sent your customers. I can provide some information about payment methods.
For the Canadian version of QuickBooks Online Payments, there is the option for the customer to use the Pay now button on the invoices you've emailed to them, or there is the option for you to manually key in the credit card information when creating the payment or the sales receipt. There isn't the option to use a card reader to process the payments for credit cards. I can see that this is a feature that you'd like to see to help you with processing payments for your customers. I recommend submitting feedback in the system by clicking on the Gear icon, then Feedback. The comments made in that section are considered when our developers when creating new features for the program.
If you have any other questions, feel free to reach out here.
