I really don't believe for one second that the quickbooks team is "unable to do this" in QBO, it's not that complicated, essentially it's the same exact thing as late fees, but in reverse. A discount is applied up to a certain date, then it is removed or reduced afterwards.

For the amount of money we pay for QBO (which has more than doubled in the last 5 years) you think that customers would get some basic, basic, super basic features offered for decades in the desktop version. The suggestion that it be done manually is a HUGE inconvenience, you have for first manually put in the extra discount, then export the PDF and open the PDF in Acrobat and add the terms, then you have to calculate the dates and percentages before you send off the PDF. Then when the client pays you have to go back and edit the discount to match the payment date, but if you are using quickbooks payments links, you also have to put on your calendar multiple dates to remind yourself when you have to go back into QB and edit the discount manually in order to match the terms you had to manually add earlier. You have to do this to the exact hour, in case the client is waiting till the last minute, views the invoice online a few hours before or after the discount expires and pays the incorrect amount.

Perhaps quickbooks can pay me to hire a book keeper to keep up with all of this or they can listen to their customers and add a few lines of code to their increasingly buggy software.

Also none of my payment reminders have gone out for months, so who knows even if they finally add the feature if it will even work!