Additional update:

Installed QB Enterprise version to see it will work.

Opened  QBW files.  When i click E-Payment, it worked .  

Now here is the rest of the story - Since it was new download, it forced me update the with new maint. release - Well what would you know -  I opened QBW file and went to E Payment - 

SAME ERROR AND KICKED ME OUT OF IT.

It looks like the maintenance  / update has something to do with it.

QB Support read and get this fixed immediately - We have the end of the year coming - we dont tax payment/ forms filing all messed up.

RR