I am new to QBO and have not found yet how to accept a credit card payment over the phone, to apply to a clients invoice. How is this done in QBO?

Hello useronline-payments,

I'm happy you're a part of the QuickBooks family! Using our advanced Online Payments feature, you can now get paid faster. QuickBooks is the one-stop-shop program for all your accounting needs. I'd be glad to share more info on this. 

Our system accepts Visa, MasterCard Discover, and Apple as a method of payment. Here's how to sign up for this feature:

1. Click the Gear menu in QuickBooks, and click Company Settings in the Settings section.
2. If you aren’t already subscribed to a Payments plan, click Payments, and then click Learn More.
3. Choose a plan, and enter all the required information, including bank account information for recording deposits.
4. To create an invoice that offers payment options, click the plus sign at the top, and click Invoice.
5. Enter all the required information, and choose the types of online payment you accept.
6. To receive mobile payments, click the plus sign at the top, click Receive Payment, and click Enter Credit Card Details.
7. Either enter the credit card information of your client.

Once you've signed up for the Online Payments and you're approved, you can immediately start invoicing customers and get paid right away.  We offer competitive fees for payment processing and I encourage you to learn more about this feature on our site: Accept Credit Cards and Payments.  From here you can no accept payments on your invoices or sales receipts using the guidance of this article here. 

If you're looking to set up your credit card on QuickBooks you can certainly do that with just a few clicks. There's a great article which walks you through on how to connect your credit card online so your transactions sync with QuickBooks. Check it here: Connect bank and credit card accounts to QuickBooks Online.  

Let me know if this info helps. I'll be one message away in case you need anything else.