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Payments
OK, so if I understand, neither the Intuit merchant service nor a payroll service is required. And, the merchant service won't even get you contractor payments.
Instead, the customer can pay $15 a month to pay up to 20 contractors using the "Contractor Payments" service.
Someone should tell @Maybelle_S and @MonicaM3 before they send more customers down a rat-hole with incorrect statements.