QB Issue Resolution:

In your example, it’s still better to create “Customer Invoice” regardless of longer payment terms.

Delayed Charge is a non-posting type entry . It will not post to the general ledger (as income or account receivable).

Resolution for Issue 'If I have a customer that can’t pay for a service when they receive it but will pay in the future, is a delayed charge a good way to track that?' available: Yes (Solved).
Source: Intuit Community forum.

If I have a customer that can’t pay for a service when they receive it but will pay in the future, is a delayed charge a good way to track that?: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

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