Good day, @aatomzresearch-o.

Thanks for getting to us and following the recommended troubleshooting by my colleague Catherine.

Getting an alternative option to perform a payment is a great idea to be added to our program. 

I can see how this function would be helpful for you and your business. Therefore, let me take note of this as a suggestion to improve your QuickBooks experience. 

Since you're unable to make a payment, I'd recommend reaching out to our QuickBooks Online Customer Support Team. They have the available tools that could update your payment method within the system. Just follow these steps to connect with them:

1. Click the Help menu in the upper-right hand corner.
2. Type in "Talk to a human", then press Enter.
3. Select Contact Support Team.
4. Type again Talk to a human and click Contact Support Team.
5. Choose between Ask the community, or Chat.

Please check out our support hours to ensure that we address your concerns on time.

If you have any other concerns, feedback, or questions, don't hesitate and come back to the Community. I'm always here to help you. Have a great day.