納める.
納める is used for paying,of course,lol.
but after we enjoy drinking a cup of coffee,we don't use 納める in the coffee shop.
we just say,or use,払う.
however,
if we need to pay a kind of tax for a city hall some,we say 納める.
as you notice.the point of your topic is probably where the person here need to pay.
maybe,for big powerful organizations we use 納める.
and we say use 払う for the small power organizaitions like shops,daily stores,so on )