Received an email to finish my payments set up or my payments account will be terminated and refunds issued to my customers. Thought I finished, not sure what else to do

I appreciate you for providing helpful information, Nate. 

The emails and in-product notifications state that if the application is not completed within 30 days, funds will be returned to your customers. Therefore, it's important to submit your application within the time frame. What you can do is confirm and complete your Payments setup. Here's how:

1. Go to Settings (Gear icon), select Account and Settings.
2. Then, go to Payments tab. Make sure all required information is entered.
3. Then click Done.

For more guidance on setting up your Payments account, please visit this article: Verify and complete your QuickBooks Payments sign up

If you're still unsure about your application, I recommend reaching out to our Live Support Team. They can review your account securely and confirm everything is setup properly. Here's how:

1. Go to the Help menu.
2. Type Contact Support in the search bar.
3. Select Contact Us at the bottom of the page.
4. Choose to connect via Chat or Request a Callback.

For more information on our Live Support Team's hours, please check this article: Get help with QuickBooks products and services

Feel free to reach out if you need further assistance with QuickBooks.