Simple Start

QBO Simple Start is enough, unless you need the billable expense feature

https://quickbooks.intuit.com/learn-support/en-us/help-article/manage-customers/enter-billable-expen...

or prefer to pay your bills with ACH for free. You can signup for a free Melio account to integrate with QBO.

https://affiliates.meliopayments.com/pricing

You can get $100 as cashback to pay your first bill with credit card.

https://affiliates.meliopayments.com/cashback

Welcome to the Community, SteffonC.

You've come to the right place for assistance. I'd be glad to provide some info about the Simple Start version of QuickBooks Online.

Since you mentioned you use QB to manage and pay bills, you may be interested in the tier right above Simple Start called Essentials, which offers the bill management feature. With bill management you can organize bills in one place, schedule payments, pay online for free, and choose how vendors get paid. The following link provides additional info about the different QuickBooks Online plans and pricing for each.

Once you've made your choice you can then add payroll. You can find out more about available Payroll services here. 

With this info you'll be able to make a selection of which QuickBooks plan will best suit your business needs. Please don't hesitate to reach back out if you have any other questions.