Hello there, @captainjudie.

Thank you for reaching out to us and for following this thread. One of my colleagues above, MariaSoledadG, provided some information on how to use a private browser which would resolve this issue of the payees that are greyed out. 

Here's how:

• Press Ctrl + Shift + N (Google Chrome).
• Ctrl + Shift + P (Firefox).
• Control + Option + P (Safari).

I'd also recommend clearing your browser's cache to refresh the system, and you'll be able to work with a clean slate.

If you're still getting the same error, it would be best to reach our support so they can help you further and to check what's causing this issue in your account.

You can also check for future reference about Credit card processing in QuickBooks Online.

You can always reach out to me if you need anything else about credit card payment. I'm here for you. Have a good one.