Jejmccoy, 

Is the credit or debit card you have saved in payment methods due to expire or has already expired? I've had that happen and I updated it as it was time to process the payment and it was a NIGHTMARE.  My advice is to update it ONLY IF the card is or will be expired by the renewal date.  They won't charge you early, that's one thing that they actually DO correctly, is not charge until the renewal date, at least in my 15+ years experience.  I agree, it's tedious the amount of time and clicks it takes to get TO the payment method; it used to be far simpler.   

I agree, the program has become ODIOUS in some respects.  I am not at ALL thrilled with the phasing out of the desktop version.  I loathe and despise QBO.  The accountant tools compared to the ones in the desktop version are virtually nonexistent.  I'm going to have a fair number of angry clients when I tell them.