For anyone who has switched from desktop to online, how have you assessed finance charges to customers with overdue invoices since it's not an option in online?

I see you're curious about finance charges in QuickBooks Online (QBO), 

mgammons. I recognize the importance of utilizing this when working on your books.

While the Finance charges feature isn't currently available within QBO, we've got an effective alternative to help manage overdue payments. We can use the Late fees feature. 

It'll automatically calculate late fees or finance charges on overdue invoices. It can be a fixed amount or a percentage of the remaining balance per invoice, week, or month.

To enable the feature, I suggest following these steps:

1. Go to the Gear icon and choose Accounts and settings.
2. Choose Sales and select the Late fees section.
3. Click the Switch icon and set the conditions. The instructions are straightforward, but let me know if you have questions.
4. Click Save, and then Done.

For more details about how this feature works, you can browse this article: Apply late fees to overdue invoices automatically in QuickBooks Online.

If you don't want to send out updated invoices manually, we can enable the Reminder feature and set the date of when to send a notification. For example, if your invoice has a five-day grace period, you can modify the details to be delivered six days after the due date.

 Additionally, you'll want to check the complete list of available reports for your QuickBooks Online version. You can determine the sales and customer reports you can run and personalize. Then, memorize them for future use.

Please know that I'm here to provide continuous assistance and support while navigating the program. Don't hesitate to reach out if you need further assistance managing your sales transactions. I'm committed to helping you every step of the way.