1
Create the invoice from the job
On the job, click Create invoice. That is the normal path after the work is done. You can also open Invoices and click New invoice to bill one job, combine several jobs for the same customer, or bill without a job.
2
Send it
On the invoice, Save & send emails it. Save draft keeps it without sending. The send stays off until the readiness rows are clear: a customer, a priced line, an email, a payment method, and the company tax details for your country. The full list is How to send an invoice. The customer opens it in Client Hub.
3
Take a card payment
The pay button on the invoice works after Settings → Jomioz Payments shows Ready to accept payments. If you still see Complete setup, finish that first. See Take card payments.
To copy the invoice into Xero, the plan must be Growth or Pro, Xero must be connected, and account mapping must be saved. Then use Send to Xero on the invoice. See Connect Xero.