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Welcome to the QuickBooks Community, Carlito.
The Payment tab in QuickBooks Online will only be visible if you have signed up for and connected a QuickBooks Payments merchant account. If you haven’t activated this service, the tab will not appear.
Additionally, the Payment tab is limited to regions where QuickBooks Payments is available. This is why you might be unable to access it.
You can visit QuickBooks Payments or talk to our Sales team for personalized assistance. They can help you evaluate your options and choose the best solution based on your business needs and goals. Simply visit the linked page and select the "Talk to Sales" option for further support.
If there’s anything else we can help you with, feel free to leave a comment below. We’re always here to assist you!