We're glad you performed troubleshooting steps to fix it, @newbie30. Since the issue persists, I'll direct you to the best help to access the payment options.

I recommend contacting QuickBooks Merchant Services. Their tools can access your account in a safe environment, locate the root cause of the issue, and provide you with the exact way to resolve it.

You might want to pair your payment transactions with their invoices. Check out this article: Match online bank transactions in QuickBooks Online.

Feel free to return here if you have additional questions about accessing your payment options. We'll be willing to assist you. Keep safe, and have a good day.