When i send out recurring monthly invoices can customer put there credit card on file so each month it automatically bills without them doing anything ?

You can save customer credit card information on recurring transactions, Joe.

To ensure hassle-free payment processing, you must toggle the online payment option and select the appropriate payment mode, i.e., a bank transfer or a card, which is crucial. This step is vital as it enables the automatic deduction of payments every time an invoice is generated based on the assigned interval. So, by selecting the correct payment method during the setup process, you can enjoy a seamless payment experience without worrying about manual intervention or missed payments.

Here's how:

1. Go to the Gear icon and select Recurring Transactions.
2. Click New and choose Invoice.
3. Enter a template name and proceed to the dropdown list for Type▼. Then, pick Scheduled.
4. Look for the customer's name in the Customer▼ dropdown menu. Then, verify the email. You can select Automatically send emails to notify your customer when you process their payment. Make sure to choose a customer name to enter the ACH banking information.
5. Set an interval. For example, if you need a sales receipt every first day of the month, the interval is Monthly on day 1st of every 1 month.
6. Enter the start date and when it should end.
   • If you select None, then it will repeat without end.
   • If you select By, enter the end date.
   • If you select After, you can enter the number of times you want the sales receipt to repeat.
7. Toggle the Online payments, and choose either Cards or Bank transfer.
8. Enter the card details.
9. Click Save template.

Using this option, the payment will be processed automatically once the system creates the Invoice. Please know the payment will be deducted from your customer's account 3 days before the due date. Feel free to check out this article if you want to use and activate this feature: Set Up Autopay for Recurring Invoices in QuickBooks Online.

Please feel free to read these hand articles for your reference about managing your invoices:
 

• Automate invoice reminders in QuickBooks Online.
• Set up and send progress invoices in QuickBooks Online.

I'm just a post away if you have any additional questions using the payment terms and recurring invoices. I'm more than willing to help. Have a great day!