I - Love - This.
I can create a recurring invoice that is automatically emailed to a customer with the option to either pay by credit card OR bank transfer or both. You can also check the option to include any unbilled charges so that you never have to worry about forgetting to bill your customers for your hard-earned work.
QuickBooks Online. A Win-Win. Why are you still stuck in your QuickBooks for Desktop prison? Set your data free!