Why I cannot "Activate Payments" when I create the invoice even if the bank account is linked?

Your diligence in ensuring you've linked the correct bank account is commendable, barbara. Your efforts in getting everything set up accurately are also appreciated.

I have some information and actions you can take to start accepting payments in QuickBooks Self-Employed (QBSE).

When signing up for QuickBooks Payments, please note that the service is subject to eligibility criteria, credit checks, and application approval. Even if your bank account is linked, it must still undergo and clear the approval process.

After signing up, you’ll receive an approval email within 2 to 3 business days. You'll also be notified via email if additional information is needed. Once approved, the email will provide instructions about connecting your merchant account to QuickBooks and enable online payments.

If you haven't received a response within the expected timeframe, contact our QuickBooks Payments Support to inquire about the status of your application.

Lastly, compiled a collection of articles for you to explore. These resources cover what happens when you send an invoice to your customers, payment deposit schedules, deposit speeds for your funds, and answers to the most frequently asked questions about QuickBooks Payments:

• What happens when you send an invoice? 
• Find out when QuickBooks Payments deposits customer payments 
• QuickBooks Payments FAQ

Keep me informed about other payment-related inquiries by commenting below or posting in the Community space. I'm always here to help you with any QuickBooks concerns.