diff --git a/client/src/components/payment-form/payment-form.component.jsx b/client/src/components/payment-form/payment-form.component.jsx
index 57a3ce4a7..9458aece3 100644
--- a/client/src/components/payment-form/payment-form.component.jsx
+++ b/client/src/components/payment-form/payment-form.component.jsx
@@ -1,3 +1,4 @@
+import { useTreatments } from "@splitsoftware/splitio-react";
 import { CardElement } from "@stripe/react-stripe-js";
 import { Checkbox, Form, Input, Radio, Select } from "antd";
 import React from "react";
@@ -23,6 +24,11 @@ export function PaymentFormComponent({
   disabled,
 }) {
   const [stripeState, setStripeState] = stripeStateArr;
+  const { Qb_Multi_Ar } = useTreatments(
+    ["Qb_Multi_Ar"],
+    {},
+    bodyshop && bodyshop.imexshopid
+  );
 
   const { t } = useTranslation();
   const handleStripeChange = (e) => {
@@ -106,9 +112,21 @@ export function PaymentFormComponent({
             <Select.Option value={t("payments.labels.customer")}>
               {t("payments.labels.customer")}
             </Select.Option>
-            <Select.Option value={t("payments.labels.insurance")}>
-              {t("payments.labels.insurance")}
-            </Select.Option>
+            {Qb_Multi_Ar.treatment === "on" ? (
+              <>
+                <Select.OptGroup label={t("payments.labels.external")}>
+                  {bodyshop.md_ins_cos.map((i, idx) => (
+                    <Select.Option key={idx} value={i.name}>
+                      {i.name}
+                    </Select.Option>
+                  ))}
+                </Select.OptGroup>
+              </>
+            ) : (
+              <Select.Option value={t("payments.labels.insurance")}>
+                {t("payments.labels.insurance")}
+              </Select.Option>
+            )}
           </Select>
         </Form.Item>
 
diff --git a/server/accounting/qbo/qbo-payments.js b/server/accounting/qbo/qbo-payments.js
index c903c0a43..c4f58079f 100644
--- a/server/accounting/qbo/qbo-payments.js
+++ b/server/accounting/qbo/qbo-payments.js
@@ -73,11 +73,19 @@ exports.default = async (req, res) => {
 
     for (const payment of payments) {
       try {
-        const isThreeTier = bodyshop.accountingconfig.tiers === 3;
-        const twoTierPref = bodyshop.accountingconfig.twotierpref;
+        let isThreeTier = bodyshop.accountingconfig.tiers === 3;
+        let twoTierPref = bodyshop.accountingconfig.twotierpref;
 
         //Replace this with a for-each loop to check every single Job that's included in the list.
 
+        //QB Multi AR - If it is in this scenario, overwrite whatever defaults are set since multi AR
+        //will always go Source => RO
+        if (payment.payer !== "Customer") {
+          payment.job.ins_co_nm = payment.payer;
+          twoTierPref = "source";
+          isThreeTier = false;
+        }
+
         let insCoCustomerTier, ownerCustomerTier, jobTier;
         if (isThreeTier || (!isThreeTier && twoTierPref === "source")) {
           //Insert the insurance company tier.
@@ -106,7 +114,9 @@ exports.default = async (req, res) => {
             oauthClient,
             qbo_realmId,
             req,
-            payment.job
+            payment.job,
+            isThreeTier,
+            insCoCustomerTier
           );
           //Query for the owner itself.
           if (!ownerCustomerTier) {
@@ -122,7 +132,17 @@ exports.default = async (req, res) => {
         }
 
         //Query for the Job or Create it.
-        jobTier = await QueryJob(oauthClient, qbo_realmId, req, payment.job);
+        jobTier = await QueryJob(
+          oauthClient,
+          qbo_realmId,
+          req,
+          payment.job,
+          isThreeTier
+            ? ownerCustomerTier
+            : twoTierPref === "source"
+            ? insCoCustomerTier
+            : ownerCustomerTier
+        );
 
         // Need to validate that the job tier is associated to the right individual?
 
@@ -237,7 +257,8 @@ async function InsertPayment(
     qbo_realmId,
     req,
     payment.job.ro_number,
-    false
+    false,
+    parentRef
   );
 
   if (invoices && invoices.length !== 1) {
@@ -260,7 +281,7 @@ async function InsertPayment(
     PaymentMethodRef: {
       value: paymentMethods[payment.type],
     },
-    ...(invoices && invoices.length === 1
+    ...(invoices && invoices.length === 1 && invoices[0]
       ? {
           Line: [
             {
@@ -305,13 +326,14 @@ async function QueryMetaData(
   qbo_realmId,
   req,
   ro_number,
-  isCreditMemo
+  isCreditMemo,
+  parentTierRef
 ) {
   const invoice = await oauthClient.makeApiCall({
     url: urlBuilder(
       qbo_realmId,
       "query",
-      `select * From Invoice where DocNumber = '${ro_number}'`
+      `select * From Invoice where DocNumber like '${ro_number}%'`
     ),
     method: "POST",
     headers: {
@@ -407,7 +429,13 @@ async function QueryMetaData(
     invoices:
       invoice.json &&
       invoice.json.QueryResponse &&
-      invoice.json.QueryResponse.Invoice,
+      (parentTierRef
+        ? [
+            invoice.json.QueryResponse.Invoice.find(
+              (x) => x.CustomerRef.value === parentTierRef.Id
+            ),
+          ]
+        : [invoice.json.QueryResponse.Invoice[0]]),
   };
 }
 async function InsertCreditMemo(
@@ -423,7 +451,8 @@ async function InsertCreditMemo(
     qbo_realmId,
     req,
     payment.job.ro_number,
-    true
+    true,
+    parentRef
   );
 
   if (invoices && invoices.length !== 1) {