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Payments
My comments are pointed at the QBO process,
You have add a contractor, but you can not save basic address data unless you have the tax ID number - so you can NOT start the process
BUT you can add a vendor as a contractor and QBO does NOT care if you ever enter a tax ID number.
When you create the contractor, that you could NOT save address data for, QBO creates the vendor which WILL allow you to save contact/address info. SO WHY bother adding a contractor from that page?
And the contractor page does not show any transactions when you click on a contractor - all you get is contact info - what is the point?
Having the vendor create an account at intiut to log in and fill out the contractor form, is
1. a blatant attempt at garnering more customers
2. lulling the user into thinking he does not need to do anything else