I appreciate you for providing a detailed post about your concern here in the Community space, @pelvicore. Let's work this out so you can have your customers' payments deposited to your account in QuickBooks Online (QBO).

Please be aware that if a transaction in QuickBooks has already been paid, it will not go through as deposited when the payments are under the Undeposited Funds account. You'll need to transfer them from the Undeposited Funds to your bank account to ensure the payment is received. To update the status to Deposited, you'll need to relocate the funds through Bank Deposit. Here's how:

1. Access your QuickBooks Online account.
2. On the left navigational bar, click the +New button.
3. Select Bank deposit.
4. Choose a bank account where to deposit the amounts.
5. Select the undeposited transaction from the list.
6. Save the deposit.

In addition, see this article to learn more about how to handle customers' payments: Record invoice payments in QuickBooks Online.

You can also check this page to know more about how banking deposit works in QuickBooks: Record and make bank deposits in QuickBooks Online.

Feel free to post here again if you need assistance managing credit card payments in QuickBooks. I'll make sure to be around to help you out again. Take care, and have a nice day!