I recognize your concerns about using a payment subscription in QuickBooks Online (QBO), Peter. Normally, QBO will notify you with an error message if there's an update needed and your subscription cannot be processed. I'm here to help guide you through resolving any issues with your payment subscription.

Before proceeding, please ensure you have an active credit card with a sufficient balance and check that it hasn't expired to avoid any delays in paying your subscription.

You can refer to this article for the detailed steps: Manage billing, payment, and subscription info in QuickBooks Online.

Thank you for your understanding in this matter. If you have any questions regarding payment subscription, please don't hesitate to reach out by adding a comment below. Stay safe!