RfP™ QB Integrated Request for Payment Accounting with FedNow® and RTP®

Paid in seconds with real-time settlement

Today Payments is an Authorized Developer of Intuit offering a highly robust app that supports both QuickBooks’ desktop and online customers, provide merchants with the tools they need so they can focus more time on their customers and businesses, and less time on data entry.

We are transforming how QuickBooks® merchants send invoices and receive payments by embedding Request for Payment (RfP™) directly into accounting workflows. By leveraging ISO 20022 messaging and real-time payment rails, we eliminate the delays of traditional payment systems and enable businesses to request, receive, and reconcile payments instantly. Our approach brings speed, certainty, and automation into every transaction while maintaining full accounting integrity.

We enable businesses to convert accounting activity into real-time financial execution by delivering instant, secure, and interoperable payment infrastructure directly within QuickBooks® environments. We position ourselves as the invisible infrastructure layer powering instant bank payments inside accounting software. Through SecureQBPlugin™ and Real-TimePayments.com, we transform QuickBooks® into a real-time payment engine that connects invoices, payment requests, and settlement into one seamless experience.


See
the features

QuickBooks® ACH, Cards, FedNow and Real-Time Payments

| 239 Shares | Tags: QuickBooks® Real-Time Payments Request for Payments

QuickBooks Online Software QuickBooks Accounting Software Image
  • ~ Automate Account Receivable Collection
  • ~ Automate Account Payable Payments
  • ~ One-time and Recurring Debits / Credits

Secure QB Plugin payment processing through QuickBooks ® specializes in the origination of moving money electronically.

RfP QB

Services for Businesses as a Payee

We provide integrated services that allow QuickBooks® merchants to generate Request for Payment (RfP™) messages directly from invoices and deliver them to payers through secure, real-time channels. Our services include instant payment request delivery, multi-bank merchant account activation, ISO 20022 messaging integration, alias-based invoicing using email, phone, or EIN, QR code and hyperlink-enabled payment access, and automated A/R reconciliation tools with built-in RfP™ aging workflows.

Solutions for Payee Businesses

We deliver solutions that convert QuickBooks® invoices into instantly payable requests, enabling payees to receive funds in seconds rather than days. Our platform routes payments intelligently across FedNow® and RTP® rails, ensuring optimal speed and availability. We provide hosted payment pages, customizable merchant experiences, and interoperability across multiple banks and credit unions. Our solutions also support real-time payroll, on-demand bill pay, and instant invoice settlement to improve operational efficiency.

Benefits for Payee Businesses

We enable faster cash flow by reducing settlement time from days to seconds, eliminate chargebacks through guaranteed good funds, improve accounting accuracy with real-time synchronization, reduce processing costs compared to cards, enhance customer payment convenience, and provide continuous payment availability 24/7/365. Businesses gain improved liquidity, reduced risk, and better financial visibility.

Features for Payee Businesses

We offer instant bank payments powered by FedNow® and RTP®, Request for Payment (RfP™) invoicing with ISO 20022 messaging, real-time settlement with no reversals, automatic reconciliation with QuickBooks®, multi-bank routing and optimization, secure payer authorization workflows, CFO dashboards with real-time insights, and full interoperability across accounting systems and financial institutions.

Top Feature-Rich Reasons to Choose Instant Payments

Turn every QuickBooks® invoice into instant, guaranteed payment
Get paid in seconds, not days
Bank payments without waiting
Good funds, instantly
Accept payments anytime, anywhere
Matches user intent: speed + certainty
Send Invoice + Pay Now
Instant Deposit (Good Funds)
Get Paid Instantly
Pay Now (Bank Transfer)
Bank Transfer (Instant)

Full Description SEO and Conversion Optimized

SecureQBPlugin™ transforms the QuickBooks® experience by enabling instant, real-time bank payments directly from invoices using modern payment rails. Instead of waiting days for ACH or paying high card fees, we allow businesses to request and receive payments instantly with guaranteed good funds available 24/7/365. Built on real-time payment infrastructure, SecureQBPlugin™ integrates seamlessly into QBO and QuickBooks® Desktop, automating accounts receivable, eliminating reconciliation delays, and significantly improving cash flow performance.

Key Features

Instant bank payments powered by FedNow® and RTP®
Request for Payment (RfP™) invoicing
Real-time settlement with guaranteed good funds
Automatic reconciliation with QuickBooks®
Multi-bank routing and optimization
Secure payer authorization workflows
CFO dashboard with real-time insights

Use Cases

We enable businesses to get paid instantly on invoices, replace ACH to reduce delays, eliminate chargebacks from card payments, improve cash flow visibility, and automate accounts receivable workflows through real-time payment orchestration.

Benefits Summary

We deliver faster cash flow measured in seconds instead of days, lower transaction costs compared to credit cards, real-time accounting accuracy, reduced fraud exposure, and an improved customer payment experience through seamless bank transfers.

Minimum ISO 20022 Request for Payment Data Fields

The minimum data fields required for a compliant RfP™ include a unique message identifier, creation date and time, payee identification, payer identification, payment amount and currency, remittance or invoice reference, requested execution date or due date, and payer response options. These structured fields ensure interoperability, automation, and accurate reconciliation across financial systems.

How to Get Approved QB QuickBooks® for Interoperable FedNow® and RTP® Merchant Processing

We streamline approval by activating merchant RfP™ accounts through QuickBooks® integration, enabling multiple MIDs across multiple banks and credit unions, configuring payer authorization workflows, and establishing interoperability across real-time payment networks. We support businesses of all sizes, ensuring rapid onboarding, compliance, and immediate access to real-time payment capabilities.

Businesses using QuickBooks® can now adopt instant payment solutions that leverage Request for Payment (RfP™) technology to receive real-time bank transfers through FedNow® and RTP® while maintaining full accounting synchronization. Companies seeking alternatives to ACH are implementing real-time payment infrastructure to improve cash flow, reduce delays, and provide seamless payment experiences through integrated QuickBooks® workflows. Merchants across industries are using ISO 20022-based RfP™ systems to automate invoicing, enable instant settlement, and improve reconciliation accuracy. Organizations looking to modernize their payment operations are integrating real-time bank payment solutions that combine speed, security, and automation into a single accounting-native platform.

Conclusion:

We are redefining payments inside accounting systems.

Real-TimePayments.com is an American accounting fintech merchant processor and a strategic enabler of real-time payments through FedNow® and RTP® networks. We deliver a full-service Request for Payment ecosystem that transforms QuickBooks® into a real-time financial engine.

Through SecureQBPlugin™, we turn invoices into RfP™ requests, sync payments directly with accounting systems, enable instant settlement, and automate reconciliation. Whether through aliases, hyperlinks, or QR codes, we provide infrastructure that works anytime, anywhere.

No delays • No chargebacks • Real-time bank payments.

👉 Activate instant payments today at https://www.Real-TimePayments.com

Request for Payment

Creation Request for Payment Bank File

Enhance Your RfP QB using QuickBooks QBO, Payment Requests with FedNow’s ISO 20022 Messaging

Streamline Payments with Advanced Request for Payment Options:

Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.

Flexible Invoice Details with ISO 20022 Messaging:

Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.

Customizable Merchant Pages for Enhanced Customer Experience:

Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.

Call us, the .csv and or .xml Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) show how to implement Create Real-Time Payments Request for Payment File up front delivering message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continuing through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.

Our in-house QuickBooks payments experts are standing ready to help you make an informed decision to move your company's payment processing forward.

Quick Comment Form

Start using our FedNow Real-Time Payments Bank Reconciliation:

FedNow Bank Reconciliation

 Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds


Give Us A Call

(866) 927-7180

Apply NOW

Stop Going to Your Bank to Deposit Checks!