Welcome to the QuickBooks Community, Laura. I've got details to ensure you can set your payment file settings. This way, it will help you run your business efficiently.
The submission reference should be in the payment settings is the description of the payroll payment that appears on your employee’s bank statement. You can open this article to see further details: Set up payment file settings in QuickBooks Online Advanced Payroll. This also provides details on how you can download your payment file.
In case you need steps on how to give your employees access to their payslips, you can read this article: Invite employees to use QuickBooks Workforce.
If you need anything else about setting up your payment file settings in QBO, please let me know by adding a comment below. Stay healthy and keep safe always, Laura. Have a great day!
