Real-Time Bill Payment Using RfP™ via SMS, Email, Text, QR Code with Hosted Payment Pages Integrated into QuickBooks® QBO

• ~ 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.

Real-Time Payments Parameters, Attributes, Benefits & Features

Core Parameters of Real-Time Payment Solutions

Feature	Description
Payment Rails	FedNow®, RTP®
Settlement Time	Under 10 seconds – Irrevocable Good Funds
RfP™ Delivery Channels	Email, SMS, Text, Mobile, QR Code
Hosted Payment Pages	Branded, mobile-responsive, no-code setup
Batch Support	Yes – Recurring or One-Time ISO 20022 (.XML, .JSON, Excel)
Transaction Types	A2A, B2B, C2B
AR Integration	QuickBooks® QBO auto-reconciliation
Availability	24/7/365, including holidays and weekends
Security & Compliance	Alias-based MID, ISO 20022, PCI-compliant hosting

Top Features

1. Mobile-Triggered RfPs via SMS and QR Code for Real-Time Payments

Merchants can send payment links via SMS or display QR codes at POS. Customers scan or click, landing on a branded hosted page, and authorize payments instantly.

2. Email and Digital Invoice Integration for Remote or Subscription Billing

Each email contains an embedded RfP™ that directs the customer to a secure payment interface. It’s ideal for remote services, B2B billing, or scheduled payments.

3. Good Funds with Irrevocable Settlement via FedNow® and RTP®

Unlike ACH or cards, real-time payments settle in seconds and cannot be reversed, protecting the Payee from chargebacks or fraud-related losses.

4. Batch Upload Support Using ISO 20022 Message Specifications

Upload recurring or bulk payment instructions in standardized ISO 20022 format (.XML, .JSON, Excel) to automate billing to thousands of customers in one go.

5. QuickBooks® QBO Integration for Real-Time Ledger Sync

Once the payment is received, the system automatically syncs with your QBO ledger, eliminating the need for manual AR updates or spreadsheets.

6. Alias-Based MID Routing for Departmental Control

Assign Merchant IDs by location, department, or employee using email or mobile aliasing—allowing secure, trackable payment assignments.

7. Hosted Payment Pages with Zero Coding Required

Each RfP™ includes a hosted, branded, secure page. There’s no development required and no API knowledge needed—go live in minutes.

Ask us How:

• Real-time bill payment using Request for Payment (RfP™) via SMS, QR code, or email gives merchants the ability to receive Good Funds instantly through FedNow® and RTP®.
• Hosted payment pages allow customers to pay from any device, removing friction and reducing AR aging. Payments are final, secure, and recorded instantly in QuickBooks® QBO.
• Batch uploads using ISO 20022 formats enable mass billing for recurring invoices or usage-based subscriptions—ideal for SaaS, utilities, and professional services.
• Unlike credit card payments or ACH, FedNow® and RTP® offer real-time irrevocable settlement with no chargebacks or banking delays.
• TodayPayments.com provides a unified billing solution with hosted payment page delivery, AR sync, and full tracking—no development or IT setup required.

Why Businesses Choose TodayPayments.com

1. ✅ Hosted RfP™ links via SMS, Email, or QR Code
2. ✅ Real-time settlement using FedNow® and RTP®
3. ✅ Final, irrevocable Good Funds with no chargebacks
4. ✅ Branded, secure hosted payment pages—zero code
5. ✅ Full QuickBooks® QBO sync for auto-reconciliation
6. ✅ Upload ISO 20022-compliant files for recurring or one-time billing
7. ✅ Assign alias-based MIDs for teams or locations
8. ✅ Real-time transaction confirmation & ledger updates
9. ✅ Works across POS, ecommerce, and MOTO transactions
10. ✅ Onboard online—no bank branch visit or hardware required

 

---

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:
   • 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.

Why wait 2-3 business days for your funds to arrive—when you can get paid instantly, anytime, anywhere?

With TodayPayments.com, your business can send Requests for Payment via text, email, or QR code, and receive Good Funds instantly using FedNow® and RTP®.

✅ Hosted payment pages
✅ Real-time settlement
✅ Works with QuickBooks® QBO
✅ No chargebacks
✅ No coding required

👉 Visit TodayPayments.com to activate your Real-Time Bill Payment system today.
Send. Scan. Settle. Instantly.

 

---

Call us, the .csv, text messaging 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.

 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 Real-Time Bill Payment 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.