Hi there, peggy-magnusonho.
Thank you for visiting the QuickBooks Community. Let me share details about QuickBooks Payments. Then, provide you with alternative ways to ensure you can accept online payments for your customers.
Using QuickBooks Payments to process customers' payments in the QuickBooks Online UK is currently unavailable. Then, this is only possible in the QuickBooks US version and that's the reason why don't have the payment link under Account and Settings.
Meanwhile, the UK version of QuickBooks Online offers two options for receiving customer payment. You can use Accept Card Payments with PayPal and Direct Debit with GoCardless.
You may check out the articles below on how to set them up and how to enter your bank account as well:
Lastly, you can open this article to see steps on how you can view the status of your sales transactions, like open and paid invoices: View sales transactions.
I'm just around the corner here to help you again if you need anything else. Just reply below or post new questions and we'll be glad to answer them for you, peggy-magnusonho.