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"lists/recurring transactions" not showing under "settings"
Thanks for posting to the Community, @critter.
The lists and recurring transactions feature are unavailable in QuickBooks Self-Employed. This feature is available in QuickBooks Simple Start, Essentials, Plus, and Advanced.
To check the comparison between QBO products, visit this site: Compare Online Versions of QuickBooks. There you can compare the advantages of each product.
If you wanted to see the features of each subscription and standard pricing: QuickBooks Online Plans & Pricing.
I'll add up this QBO test drive to try it for free.
Please feel freely to leave a message if you have more questions. I'll be around to assist you. Have a good day!