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Buy nowHello there, Hypomusk.
I appreciate you for jumping into this thread and letting us know you had the same concern.
The steps provided by my colleague MariaSoledadG can fix this issue when adding a payee to record payments. In case you haven't tried it, I suggest doing so.
If you continue to get the message prompt, I recommend contacting our QuickBooks Care Team. This needs to be isolated and they can take a closer look to come up with a fix.
Here's how you can reach us:
You can check out this article for our contact information. Click on the QuickBooks Online (QBO) drop-down to see the most updated support schedule: Support hours and types.
Know that you're always welcome to post here in QuickBooks Community if you have any other concerns aside from recording credit card payments. Have a good day.