RESOLVED!! YES!!
i went BACK TO MY
SHIPPING SETTINGS! ok here is the deal..
i was getting familiar with the cart & it's settings .. the ui.. etc.. (excellent responsive layout btw guys!)
i set up the UPS shipping and then click default_cod in the setting .. NOT even realizing it was for Cash On Delivery PAYMENT option.. idk why i didnt know.. just didnt click for me lol.... (so i mess up right away lol)
i then continued to set up the paypal.. and in the midst of all that testing and seeing errors..(bugging me out) ..
i never went back to the SHIPPING EXTENSION I SELECTED that dictates the PAYMENT option. (its a live and learn thing..)
so after installing, re-installing, re-doing, all i had to do was install the paypal standard, then go back to shipping (my case UPS shipping) and then select the default shipping method, WHICH no longer says default_cod, it will say default_pp_standart !

ty all for your kind help and support!
its a terrific product!!