Baby wakes up when laid down

Ugh I'm mad at myself because I feel like I've started a bad habit with my baby and I'm afraid we're too late to try to correct it. She's three months old and a TERRIBLE napper. She sleeps great at night but nap times are horrible. To ensure that she would actually sleep for a nap, I've always rocked/bounced her or she's fallen asleep while eating and I wait to put her down for about 10-15 minutes until she's good and asleep. The past few days I've been trying to put her down when she's drowsy but not fully asleep and it's not going well at all. She can be 95% asleep but as soon as I lay her down she is wide awake and she never falls asleep. Yesterday I watched on the video monitor and waited over an hour and she had never fallen asleep. What should I do? 😞