Hey Ms. LauraG,
I am not sure why you only have a payment link if you select "online" for the email delivery. I have mine set at HTML and when I did sent a test to my personal email, it sent it in the HTML and it had my contents in the email the way I wanted it worded. It has a green area with the words "View invoice". I click on it and it took me to a different tab where I can pay the invoice and print it as well. I will attach a screen shot of what it does for me. I hope this helps you. And I hope this helps me and it works when August 1 gets here and all my invoices go out automatically. See attached two screen shots of what it showing up in my personal emial when I do a test run.