QB Issue Resolution:

It actually sounds like you have the perfect apps/subscriptions for your scenario.  Like @JamesOng mentioned, QBO can take care of all of your needs with QBO full service payroll and bill pay.  However, you may find it to be more expensive.  I love QBO Full service payroll but it is much more costly than their competitors.  The good news is you can automate ADP to push payroll into QBO (kinda automating) and you can enter the Chase payments via the bank feed into qbo.

Resolution for Issue 'Too many programs and apps' available: Yes (Solved).
Source: Intuit Community forum.

Too many programs and apps: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

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