I just did mine and was not able to submit my returns until I made a payment. I opted to make a partial payment and it went through. Funny but it says you can make a payment with a credit card then when you click next menu for your payment options - a credit card is NOT one of the options, I chose the partial payment because that is what allowed me to submit and file taxes and then will go onto www.tax.ny.gov/pay/ind/pay_income_tax_online.htm and pay the remaining due with a credit card ( in which they will also charge a . something convenience fee. good luck I hope this helps.