I would say your Dictionaries are damaged, or the Payables.EXE you are running is on a different drive than where you installed the Upgrade.
You could completely uninstall Payables and start the whole process again. As I said, Crystal is working and ODBC is working. You have a rights issue on the WINDOWS\TEMP Folder or the \SOFTRAK\Dicts Folder or the Dictionaries themselves are damaged.
If you right click "Properties" on each dictionary, this is what you should see:
If your Dictionaries are EXACTLY the same in size and date, then your Adagio Consultant is going to have to debug the rights and installation setup of Adagio. This is not making any sense from what has been described on the Forum.
Sorry.