Real-Time Bill Payment Using RfP™ via Email, SMS, Text, and QR Codes with Hosted Payment Pages

RTP®/FedNow® Messaging and Delivery Parameters

Key Features

1. Payee-Initiated Request for Payment via Email, SMS, or QR Code

Merchants can send RfP™ links through the customer’s preferred communication channel—email, SMS, or QR code—to initiate real-time payments in seconds.

2. Secure Hosted Payment Landing Page for Every RfP™

Each link directs the Payer to a secure, branded payment page optimized for mobile and desktop—no login or app required.

3. Instant Settlement with Irrevocable Good Funds

Using FedNow® or RTP®, the payment clears in real time and cannot be reversed—offering merchants financial certainty and eliminating chargebacks.

4. Batch Upload and Recurring Billing with ISO 20022

Merchants can process hundreds or thousands of payments using ISO-compliant files—ideal for subscription models, invoice clearing, or vendor settlements.

5. Alias-Based MID Assignment for Detailed Tracking

MIDs can be linked to phone numbers or emails for individual employees or departments—allowing scalable control across multiple locations.

6. Full Compatibility with QuickBooks® QBO and ERPs

Real-time ledger syncing means no manual reconciliation. Payments are matched and recorded instantly in your AR system.

7. 24/7 Payment Availability Across All U.S. Banks

RfPs can be sent and settled any time, including weekends and holidays—ensuring business doesn’t stop when the bank does.

Ask us How:

• Real-Time Bill Payment using Request for Payment (RfP™) lets merchants send payment links via SMS, email, and QR code to instantly receive Good Funds using FedNow® and RTP®.
• With ISO 20022 batch support, businesses can automate payment requests for A2A, B2B, and C2B transactions across all U.S. banks and credit unions.
• Each RfP™ includes a mobile-optimized hosted landing page, simplifying the payment process for customers and eliminating friction from bill collections.
• Unlike credit cards or ACH, payments through RTP® and FedNow® are irrevocable—ensuring finality and eliminating chargebacks.
• Hosted landing pages require no development, no third-party apps, and can be deployed instantly for any Payee receiving funds.

Why Businesses Choose TodayPayments.com for Real-Time Payment Solutions

1. ✅ Send RfP™ via SMS, Email, or QR Code
2. ✅ Receive Good Funds instantly via FedNow® or RTP®
3. ✅ Access secure hosted payment pages with no dev work
4. ✅ Upload ISO 20022-compliant files for batch payments
5. ✅ Integrate directly with QuickBooks® QBO or ERP
6. ✅ Eliminate chargebacks and ACH delays
7. ✅ Assign alias-based MIDs for internal tracking
8. ✅ Activate 24/7/365 real-time billing—no bank hour limitations

Integrating Real-Time Bill Payment with POS (Point of Sale), Ecommerce, and MOTO (Mail Order/Telephone Order) systems offers significant benefits and features for payees and merchants. Here’s how to enable these payments using FedNow Service through SecureQBPlugin.com, along with the advantages for merchants:

Integration Steps

1. Merchant Enrollment in FedNow Service

1. Register with SecureQBPlugin.com:
   • Sign up on SecureQBPlugin.com and enroll in their FedNow Service.
   • Complete any necessary KYC (Know Your Customer) and compliance processes.
2. Configure FedNow Integration:
   • Set up the FedNow Service within the SecureQBPlugin.com dashboard.
   • Link the merchant's bank account to receive real-time payments.

2. Setting Up Real-Time Payment for Different Channels

POS Integration:

1. Integrate POS System:
   • Connect the POS system with SecureQBPlugin.com using their API.
   • Ensure the POS can process real-time payments via FedNow.
2. Enable Real-Time Payments:
   • Configure the POS to offer real-time payment options at checkout.

Ecommerce Integration:

1. Integrate Ecommerce Platform:
   • Use SecureQBPlugin.com’s API or payment plugin to integrate with your ecommerce platform (e.g., Shopify, WooCommerce, Magento).
2. Configure Checkout Process:
   • Add FedNow as a payment option at checkout.
   • Ensure the payment gateway supports real-time transaction processing.

MOTO Integration:

1. Integrate Payment Gateway - Good Funds Gateway:
   • Connect your MOTO system with SecureQBPlugin.com’s API.
   • Ensure the payment gateway can handle real-time payments.
2. Configure Payment Processing:
   • Train staff to process real-time payments over the phone or through mail orders.

Features and Benefits for Payees/Merchants

1. Speed and Efficiency:

• Instant Payment Processing: Real-time transactions ensure that payments are processed instantly, improving cash flow.
• Reduced Payment Delays: Eliminates the waiting period associated with traditional payment methods.

2. Enhanced Security:

• Data Encryption: Secure payment channels reduce the risk of fraud.
• Compliance: Ensures compliance with financial regulations, protecting both the merchant and the customer.

3. Improved Customer Experience:

• Convenience: Offers customers a quick and convenient payment method.
• Instant Confirmation: Customers receive immediate payment confirmation, enhancing their experience.

4. Financial Management:

• Automatic Reconciliation: Payments are automatically reconciled in QuickBooks, reducing manual effort and errors.
• Real-Time Cash Flow: Provides up-to-date cash flow information, aiding in better financial planning and management.

5. Versatility:

• Multiple Channels: Supports POS, Ecommerce, and MOTO, providing flexibility to merchants to accept payments through various channels.
• Seamless Integration: Easily integrates with existing systems and QuickBooks for a streamlined payment process.

6. Cost Savings:

• Lower Transaction Fees: Potentially lower fees compared to credit card transactions.
• Reduced Administrative Costs: Automation reduces the time and cost associated with manual payment processing.

7. Competitive Advantage:

• Modern Payment Options: Offering real-time payments can attract tech-savvy customers and set the business apart from competitors.
• Enhanced Merchant Reputation: Providing cutting-edge payment solutions can enhance the merchant’s reputation and customer trust.

Example Implementation

1. Enroll in FedNow Service:
   • Merchant signs up on SecureQBPlugin.com and completes FedNow enrollment.
2. Integrate POS, Ecommerce, and MOTO Systems:
   • Use SecureQBPlugin.com’s API to connect these systems with FedNow.
3. Enable Real-Time Payments:
   • Configure the systems to offer real-time payments.
   • Ensure staff are trained and systems are tested for smooth operation.
4. Monitor and Reconcile Payments:
   • Use SecureQBPlugin.com dashboard for real-time notifications and payment tracking.
   • Automatically reconcile payments in QuickBooks.
5. Ensure Security:
   • Implement data encryption and ensure compliance with financial regulations.
6. Support and Communication:
   • Provide detailed instructions and support for customers.
   • Set up automated notifications for payment confirmations.

By integrating Real-Time Bill Payment with POS, Ecommerce, and MOTO systems through SecureQBPlugin.com, merchants can enjoy numerous benefits, including improved cash flow, enhanced security, and better customer satisfaction.

It’s time to meet customers where they are—on their phones, in their inboxes, or scanning your QR code.

With TodayPayments.com, you can launch real-time billing powered by hosted Request for Payment (RfP™) using FedNow® and RTP® rails. Deliver payment links via email, SMS, or QR codes, and receive Good Funds instantly, 24/7—with full reconciliation and zero delays.

✅ Real-time settlement
✅ Hosted landing pages
✅ Mobile-friendly and QR code ready
✅ ISO 20022 batch support
✅ Works with QuickBooks® QBO

👉 Visit TodayPayments.com and activate your Real-Time Request for Payment billing experience today.
Send Links. Get Paid. Reconcile Instantly.