@Kurt_M 

OK, so if I understand, neither the Intuit merchant service nor a payroll service is required.  And, the merchant service won't even get you contractor payments.

Instead, the customer can pay $15 a month to pay up to 20 contractors using the "Contractor Payments" service.

Someone should tell @Maybelle_S  and @MonicaM3 before they send more customers down a rat-hole with incorrect statements.