Joining the thread to assist you, @joneill1186, to ensure you're able to schedule an online payment.

The roles and permissions included with the AR and AP access does not include the online payments option. This is the reason why you received such a message prompt even if you have the access to all tasks except for payroll.

Therefore, I'd suggest contacting the Admin of the company you're working with and letting them customize the roles and permissions of your access. Or let them know the online payment option is only available for Admin users.

I'm adding this article with the topics you can use while recording the common vendor transactions: The Vendor Transaction Workflows in QuickBooks Desktop.

It'll always be my pleasure to help if you've got additional questions about QuickBooks online payments. Use the Reply option below and surely I'll be here ready to assist you. Take care and stay safe!