Hello, bradlindaminton.

When sending an estimate through QuickBooks Online, the options available are  Save and New, Save and Close, and Save and Send. Once sent to your customer and when they open their email, the option available is Review and approve. 

Can you provide a screenshot of the Review and Pay button that you're referring to? That will help us provide an accurate solution to the concern you're having.

Refer to this article on how to set up estimates, update an estimate's status, review open estimates, and delete an estimate: Create and send estimates in QuickBooks Online.

After the customer accepts the estimate, you can convert it into an invoice. Check this article for detailed instructions: Convert an estimate into an invoice in QuickBooks Online.

You can click on the Reply button below to provide us with more details or if you have more questions about estimates. Keep safe.