If I send an invoice and the customer doesn't pay through Quickbooks but by bank transfer will I still be charged?

 I'll share some information and guidelines that could help you.

If the customer opts not to make payment via QuickBooks, they will not incur any charges. After receiving a payment from a customer, it is important to record it in QuickBooks to indicate that the invoice has been paid. Failure to do so will leave the invoice open and show as unpaid on your reports. You can record either the full or partial payment on an invoice. Follow these steps to do so: 

1. Go to + New.
2. Select Receive payment.
3. From the Customer dropdown, choose the name of the customer.
4. From the Payment method dropdown, select the payment method.
5. From the Deposit dropdown, click the account you put the payment into. 
6. In the Outstanding Transactions section, select the checkbox for the invoice you're recording the payment on.
7. Enter the Reference no. and Memo if needed. It is optional.
8. Click Save and Close.

For detailed information, refer to this article: Record invoice payments in QuickBooks Online.

I will also leave these articles for future purposes:

• Customise invoices, estimates, and sales receipts in QuickBooks Online.
• Send invoice reminders automatically or manually in QuickBooks Online.

Please don't hesitate to reach out to us again if you have any additional concerns related to QuickBooks. Our team is available around the clock to assist with any questions you may have. Take care and stay safe.