Receive Mobile Real-Time FedNow® and RTP® Instant Payment Transfers Integrated with QuickBooks® QBO
Real-Time Payments Meet Smart Accounting
To streamline digital payment
collection by empowering businesses with instant,
secure, and alias-based FedNow® and RTP® Request for
Payment (RfP™) solutions, integrated directly into
QuickBooks® QBO for batch and recurring invoicing
through mobile-first channels.
TodayPayments.com delivers
real-time payment innovation to U.S. businesses by
combining the speed of FedNow® and RTP® with the
automation power of
QuickBooks® QBO. Through
Request for Payment (RfP™) batch and recurring
invoicing, merchants can engage customers using alias
identifiers (mobile, email, QR), eliminating
account/routing numbers and accepting instant payments
across channels like SMS, email, and hosted web pages.
We make cash flow instant, intelligent, and integrated.
In today’s fast-paced digital world, waiting for checks or outdated ACH transfers is no longer viable. Businesses need instant payments, automated invoicing, and a fully integrated ecosystem. That’s why FedNow® and RTP® real-time payment rails, delivered through Request for Payment (RfP™) and synced with QuickBooks® QBO, are revolutionizing how companies receive funds.
With just a text, email, or QR code, customers receive an invoice and complete the payment instantly, securely, and with complete control.
See
the features
QuickBooks® ACH, Cards, FedNow and Real-Time Payments
- Payment processing for all QuickBooks desktop, Pro, Premier, Enterprise and also QBO QuickBooks Online Our software is designed for simplicity and ease-of-use.
- ~ 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.
What Is Batch or Recurring RfP™ and Why It’s a Game-Changer
Request for Payment (RfP™) is a secure digital payment request that allows the payee (merchant) to trigger a real-time payment through mobile-friendly channels. When batch or recurring RfP™ is paired with FedNow® and RTP®, payments are cleared in seconds. And when integrated with QuickBooks® QBO, your invoicing, reconciliation, and reporting are fully automated.
This smart solution uses alias identifiers like:
- Mobile phone numbers
- Email addresses
- QR codes (QRC)
to securely direct the payer to a Hosted Payments Page, allowing payment via FedNow®, RTP®, ACH, credit card, or BNPL—without using sensitive routing or account numbers.
Itemized Parameters, Attributes, Benefits, and Features
Parameters
|
Parameter |
Description |
|
Payment Rails |
FedNow®, RTP®, ACH, BNPL, Cards, Financing |
|
Delivery Channels |
SMS, Email, Quick Response Code (QRC) |
|
Payment Type |
Batch, Recurring, One-Time, Variable Amounts |
|
Identity Method |
Alias (Email, Mobile, Customer ID) |
|
Destination Page |
Hosted Payment Page linked to alias and invoice ID |
|
Full sync with QuickBooks® QBO for invoice, payment, and ledger automation |
Attributes
- Mobile-first delivery with real-time response tracking
- Alias-driven invoicing prevents exposure of bank data
- ISO 20022-compliant messaging supports modern payment infrastructure
- Hosted payments with payer flexibility and choice
- Smart batching for variable or recurring billing schedules
Benefits
- Instant Settlement: Receive good funds within seconds, 24/7—even on weekends
- QuickBooks® QBO Sync: Automatically logs payment in QBO with invoice closure
- Customer Flexibility: Payers choose how and when to pay with FedNow®, RTP®, ACH, or Cards
- Reduced Processing Fees: Real-time payment rails often cost less than card networks
- Batch & Recurring Power: Automate invoicing without manual intervention
- No Routing Numbers: Alias-based system improves customer security and ease-of-use
- Real-Time Visibility: Monitor RfP™ responses, payment aging, and success metrics instantly
Features
- API-based recurring billing and variable batch uploads
- QuickBooks® QBO two-way synchronization (invoice creation and payment posting)
- Hosted Payments Page with real-time payer lookup and branding
- Alias tokenization for mobile/email identifiers
- Smart scheduling for automated recurring RfP™ triggers
- QR Code generation for POS, delivery, and on-site invoicing
- Dashboard for reconciliation, alerts, and batch performance
Use Cases Across Industries
- Ecommerce & Subscription Services: Automate recurring RfP™ requests directly from QuickBooks® for monthly billing
- Accounting & Professional Services: Send batched invoices to clients via text or email and get paid instantly
- Medical Practices & Clinics: Use SMS RfP™ for co-pays and follow-up visits with instant settlement
- Home Services & Contractors: QR code RfP™ on job sites with real-time FedNow® or RTP® payment links
- Enterprises & High-Volume Merchants: Centralized batch invoice delivery and instant payment tracking
Receiving Digital and Mobile Real-Time FedNow Instant Payment Transfers for Recurring Transactions Scheduled through QBO Invoicing
Overview: Integrating FedNow Instant Payment Transfers with QuickBooks Online (QBO) for recurring transactions provides businesses with a seamless and efficient way to manage regular payments. This setup enables businesses to automate invoicing and payment collection, ensuring timely and secure transactions.
Key Features and Benefits:
FedNow Service:
- Instantaneous Fund Transfers:
- Funds are transferred and available within seconds, ensuring prompt payment processing.
- Suitable for both B2B and C2B transactions.
- 24/7/365 Availability:
- Transactions can be conducted at any time, including weekends and holidays, offering continuous availability.
- Enhanced Security:
- Advanced security measures ensure transactions are secure and irrevocable.
- Protects sensitive financial information with end-to-end encryption.
QuickBooks Online (QBO) Integration:
- Automated Invoicing:
- QBO allows businesses to set up recurring invoices for regular payments such as subscriptions, memberships, or services.
- Invoices can be scheduled to be sent automatically, reducing manual efforts.
- Seamless Payment Processing:
- Integration with FedNow enables real-time payment processing directly through QBO.
- Automatically records payments and updates financial records in QBO.
- Real-Time Notifications:
- Both businesses and customers receive real-time notifications for all transactions.
- Helps in monitoring and managing payment status effectively.
- Detailed Reporting and
Reconciliation:
- QBO provides comprehensive financial reports and automatic reconciliation of received payments.
- Ensures accurate and up-to-date financial records.
Steps to Implement FedNow for Recurring Payments through QBO:
- Set Up FedNow with Your Bank:
- Ensure your bank supports the FedNow service and complete the necessary setup.
- Register your business and link it with your QBO account.
- Integrate FedNow with
QuickBooks Online:
- Use SecureQBPlugin.com or similar integration tools to connect FedNow with QBO.
- Configure the plugin to enable real-time payment processing and synchronization.
- Enable Recurring Invoices in
QBO:
- In QBO, navigate to the invoicing section and set up recurring invoices.
- Define the schedule, amount, and other details for each recurring invoice.
- Automate Payment Collection:
- Ensure that recurring payments are processed automatically via FedNow.
- Set up real-time notifications to track payment status and confirm receipt.
- Monitor and Manage
Transactions:
- Use QBO to monitor recurring transactions and ensure they are processed as scheduled.
- Utilize QBO’s reporting tools to analyze financial data and manage cash flow.
Example Use Case:
Scenario: A SaaS company needs to collect monthly subscription fees from its clients. By integrating FedNow with QBO through SecureQBPlugin.com, the company automates its invoicing and payment collection process.
- Initiate Recurring Invoices: The company sets up recurring invoices in QBO, specifying the subscription amount and billing cycle.
- Process Payments: Each month, FedNow processes the payments in real time, transferring funds instantly to the company’s account.
- Receive Notifications: Both the company and its clients receive real-time notifications confirming the payment transactions.
- Reconciliation: Payments are automatically recorded and reconciled in QBO, ensuring accurate and up-to-date financial records.
For more detailed information and support, you can explore the specific services offered by Real-TimePayments.com and the integration tools available at SecureQBPlugin.com.
Start Receiving FedNow® & RTP® Payments Instantly with QuickBooks® QBO + TodayPayments.com
Say goodbye to manual invoicing, delayed
deposits, and accounting headaches.
With
TodayPayments.com, you can:
- ✅ Send alias-based RfP™ invoices via SMS, email, or QR
- ✅ Get paid instantly using FedNow® and RTP® rails
- ✅ Automate everything inside QuickBooks® QBO
Whether you're sending 1 or 10,000 payment requests per month, our batch and recurring RfP™ system is your real-time, real-easy, real-money solution.
👉 Join https://www.TodayPayments.com now and transform how you request, receive, and reconcile payments—with no routing numbers, no delays, and no guesswork.
Today’s Payments. Tomorrow’s Profits.™
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.
Pricing with our Request For Payment Professionals

1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory data for completed file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1.5% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Receive Instant Payments system.
Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG
4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.
