Does the QB subscription have to be paid with a credit card?

You can pay your subscription bill by Paypal

https://quickbooks.grsm.io/Canada

Hi har5,

It's a pleasure to see you in Community.  Welcome!  It's essential that you're able to mange your QuickBooks Online subscription with the best fit for your business.  In addition to Paypal, other acceptable payment methods are Mastercard, Visa, American Express or Pre-authorized Debits.  Here's a helpful guide for your reference, with detailed information on managing your QuickBooks Online subscription.

Please feel free to reach back out with any other questions.  We'd love to help!