Real-Time Payments Bill Pay Using FedNow® and RTP® – Just-in-Time Integrated into QuickBooks® QBO

Instant, Irrevocable, Good Funds with 24/7 Certainty

To enable businesses to send and receive real-time, irrevocable Good Funds for bill payments using FedNow® and RTP®, with ISO 20022 batch file compatibility and seamless integration into QuickBooks® QBO.

TodayPayments.com delivers the power of Just-in-Time Real-Time Payments to every business. By combining the instant settlement of FedNow® and RTP® with secure hosted RfP™ delivery and ISO 20022 batch processing, we empower merchants to automate collections, eliminate delays, and reconcile instantly in QuickBooks® QBO.

 

Modernize Bill Pay with FedNow® and RTP® Real-Time Settlement

In the era of digital speed and automation, businesses can’t afford to wait 2–3 days for payments to clear. Whether it’s subscription billing, vendor settlements, or customer invoices, you need funds instantly—with certainty.

That’s why TodayPayments.com offers Real-Time Bill Pay using FedNow® and RTP®, enabling Just-in-Time settlement with Good Funds using hosted RfP™ (Request for Payment) links, ISO 20022 batch file uploads, and direct integration with QuickBooks® QBO.

With TodayPayments.com, businesses can automate billing with real-time certainty. Payments initiated through FedNow® and RTP® rails are delivered within seconds—irrevocable, final, and fully compliant.

Using hosted RfP™ links (sent via SMS, email, or mobile invoicing), businesses allow customers to pay securely on demand. Once payment is complete, the system automatically syncs with QuickBooks® QBO to eliminate manual reconciliation.

QuickBooks Pro 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.

Real-Time Payments Parameters, Attributes, Benefits & Features

RTP® & FedNow® Integration Parameters

Parameter

Description

Payment Rails

FedNow®, RTP®

Settlement Speed

Real-Time (Under 10 Seconds)

Funds Type

Irrevocable Good Funds

Integration

QuickBooks® QBO (Auto AR Sync)

Billing Type

One-Time or Recurring

Delivery Method

RfP™ via Email, SMS, Text, Digital Invoice

File Formats

ISO 20022 (.XML, .JSON, Excel)

Availability

24/7/365

Transaction Types

A2A, B2B, C2B

Key Features

1. Hosted RfP™ Pages for On-Demand Bill Pay

Merchants can send Request for Payment (RfP™) links directly to customers via text or email, allowing instant authorization and settlement with FedNow® and RTP®.

2. Just-in-Time Payments with Guaranteed Good Funds

Billers receive funds immediately and with finality, removing uncertainty from critical payments like rent, services, vendor payments, and inventory restocking.

3. ISO 20022 Batch Upload Compatibility

Process thousands of payments by uploading standardized files (.XML, .JSON, Excel)—compatible with all U.S. banks and credit unions supporting RTP® and FedNow®.

4. Real-Time Integration with QuickBooks® QBO

Every payment updates your AR ledger in real time, reducing DSO (Days Sales Outstanding) and improving reporting accuracy.

5. Alias-Based MID Assignment

Assign unique Merchant IDs tied to locations, agents, or departments—simplifying reconciliation and enabling granular tracking.

6. 24/7 Real-Time Payment Settlement

Eliminate cutoffs, weekends, or holidays. Payments are processed around the clock with full visibility and confirmation.

7. Zero Chargebacks or Reversals

All payments made via RTP® or FedNow® are final, reducing fraud exposure and eliminating chargeback risk from your AR workflow.

Ask us How:

  • Real-Time Payments Bill Pay using FedNow® and RTP® enables merchants to send and receive irrevocable Good Funds with hosted RfP™ delivery and ISO 20022 file uploads for A2A, B2B, and C2B transactions.
  • TodayPayments.com integrates directly with QuickBooks® QBO to provide real-time ledger synchronization, automatic AR updates, and complete payment transparency.
  • Just-in-Time payment capabilities ensure funds are received exactly when needed—no float, no delay, and no guesswork in your financial operations.
  • ISO 20022 messaging enables batch processing of recurring and one-time payments from POS, MOTO, ecommerce, or invoicing workflows.
  • Each RfP™ includes a secure, branded hosted payment page that simplifies customer checkout and reduces payment friction.

Why Businesses Choose TodayPayments.com for Just-in-Time Bill Pay

  1. ✅ Real-time settlement with FedNow® and RTP®
  2. ✅ Send hosted RfP™ links via SMS, Email, or Invoice
  3. ✅ Batch upload payments using ISO 20022 file formats
  4. ✅ Receive Good Funds instantly—no reversals or chargebacks
  5. ✅ Fully integrated into QuickBooks® QBO
  6. ✅ Assign MID aliases by team, division, or location
  7. ✅ AR automation and real-time status tracking
  8. ✅ Easy onboarding—no code, no bank visit required
Merchants can now leverage FedNow and Real-Time Payments (RTP) to offer on-time, real-time bill payments. Integrating these payment systems into QuickBooks Online (QBO) provides several advantages:

Advantages of Integrating FedNow and Real-Time Payments into QBO

  1. Immediate Payment Processing:
    • Instantaneous Payments: FedNow and RTP enable payments to be processed and settled instantly, ensuring that transactions are completed in real-time.
    • 24/7 Availability: These payment systems are available around the clock, including weekends and holidays, providing flexibility and convenience.
  1. Enhanced Cash Flow Management:
    • Real-Time Updates: Payments are reflected immediately in QBO, allowing merchants to have an accurate and up-to-date view of their cash flow.
    • Improved Liquidity: Immediate access to funds enhances liquidity management, enabling better financial planning and decision-making.
  1. Reduced Risk of Late Payments:
    • On-Time Payments: The real-time nature of FedNow and RTP ensures that bills are paid on time, reducing the risk of late fees and penalties.
    • Reliable Scheduling: Merchants can schedule payments to be executed at precise times, ensuring timely bill payments.
  1. Cost Efficiency:
    • Lower Transaction Fees: Real-time payment systems often have lower transaction fees compared to traditional payment methods such as wire transfers.
    • Reduced Administrative Costs: Automation and real-time processing reduce the need for manual intervention, saving time and administrative costs.
  1. Improved Security:
    • Secure Transactions: FedNow and RTP utilize robust security protocols to protect against fraud and unauthorized transactions.
    • Enhanced Authentication: Strong authentication measures ensure that payments are securely processed, reducing the risk of fraudulent activities.
  1. Better Customer Experience:
    • Instant Confirmations: Customers receive immediate confirmation of their payments, improving transparency and trust.
    • Convenience: The ability to make real-time payments from mobile devices or computers enhances the overall customer experience.

Integration into QuickBooks Online

  1. Streamlined Payment Processes:
    • Automated Payment Entries: Integrating FedNow and RTP with QBO automates the recording of payment transactions, reducing errors and manual entry efforts.
    • Seamless Reconciliation: Real-time payment data is automatically reconciled within QBO, simplifying the reconciliation process and ensuring accuracy.
  1. Enhanced Financial Reporting:
    • Real-Time Data: Access to real-time payment data enables more accurate and timely financial reporting.
    • Customizable Reports: Merchants can generate detailed reports within QBO to analyze payment trends, cash flow, and financial health.
  1. Improved Vendor Relationships:
    • Timely Payments: Ensuring on-time payments to vendors improves relationships and can lead to better terms and conditions.
    • Credibility: Demonstrating the ability to make real-time payments enhances the credibility and reliability of the merchant.
  1. Integration Steps:
    • API Integration: Utilize QBO's API to integrate FedNow and RTP capabilities directly into the QBO platform. This allows for seamless payment initiation and reconciliation.
    • Third-Party Applications: Leverage third-party applications that offer integration between FedNow, RTP, and QBO. These apps can simplify the integration process and provide additional functionality.

Example of Integration

  1. Setting Up FedNow/RTP in QBO:
    • Choose a Payment Processor: Select a payment processor that supports FedNow and RTP and integrates with QBO.
    • Configure API Settings: Use the payment processor's API to configure settings within QBO, ensuring secure and seamless data flow.
    • Test Integration: Conduct thorough testing to ensure that payments are processed correctly and data is accurately reflected in QBO.
  1. Using Integrated Payments:
    • Initiate Payments: Merchants can initiate bill payments directly from QBO, selecting FedNow or RTP as the payment method.
    • Monitor Transactions: Track real-time payment statuses and confirmations within QBO, ensuring transparency and control over financial transactions.

Integrating FedNow and Real-Time Payments into QuickBooks Online offers merchants numerous advantages, including improved cash flow management, enhanced security, cost efficiency, and a better customer experience. This integration streamlines payment processes, reduces administrative burdens, and ensures timely financial transactions.

Stop waiting for payments to clear. Start receiving Good Funds instantly.

At TodayPayments.com, we give your business the power of Real-Time Bill Pay using FedNow® and RTP®, delivered Just-in-Time with hosted RfP™, ISO 20022 batch processing, and QuickBooks® QBO integration.

✅ Automate your billing
✅ Receive irrevocable payments 24/7
✅ Sync instantly with your accounting
✅ Serve POS, MOTO, ecommerce, and invoice clients—all in real time

👉 Visit TodayPayments.com and activate your Just-in-Time Real-Time Payments billing solution today.
Real-Time Invoicing. Instant Settlement. Complete Certainty.

 
Request for Payment

Text Mobile Request for Payment 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.

Pricing with our Request For Payment Professionals
hand shake

 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% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Bill Pay 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.

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!