How Requests Payment Works with FedNow® & RTP® in QuickBooks® Online

What Is Requests Payment & How Does It Work?

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.

Requests Payment FedNow® & RTP® – Instant Transactions for B2B, C2B, B2C Invoices in QuickBooks® Online

The Need for Faster, Smarter Invoice Payments

Managing invoices in QuickBooks® Online (QBO) can be time-consuming and costly, especially when dealing with payment delays, manual reconciliation, and high transaction fees.

ACH transfers take 1-3 business days, delaying access to funds.
Credit card transactions come with fees of 2-4%, reducing business profits.
Wire transfers are costly and require manual bank intervention.

Now, businesses can streamline invoicing and payments by integrating Requests Payment (RfP) using FedNow® & RTP® for real-time A2A (Account-to-Account) transactions—eliminating delays, fees, and manual errors with SecureQBPlugin™.

Imagine sending an invoice in QuickBooks® and receiving payment instantly—24/7/365, without processing delays!

TodayPayments.com shows how Requests Payment with FedNow® & RTP® transforms B2B, C2B, and B2C invoicing in QuickBooks® Online, reducing costs and improving cash flow.


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the features

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

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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.

Ask about our special: Using QuickBooks Request for Payments in QBO QuickBooks

Requests Payment (RfP) allows businesses and service providers to send real-time payment requests to customers, prompting them to approve and complete transactions instantly via FedNow® & RTP®.

Unlike traditional payments, RfP transactions move money directly between bank accounts, eliminating intermediaries like credit card processors.

How Requests Payment (RfP) Works in QuickBooks® Online via SecureQBPlugin™

1️⃣ A business creates an invoice in QuickBooks® Online.
2️⃣ The customer receives a real-time payment request notification via FedNow® or RTP®.
3️⃣ The customer approves the payment, triggering an instant transaction.
4️⃣ Funds are transferred immediately—no waiting, no delays.
5️⃣ The payment is automatically recorded in QuickBooks®, eliminating manual reconciliation.

This seamless process improves efficiency, eliminates payment delays, and saves businesses thousands in processing fees.

Why Businesses Should Use Requests Payment with FedNow® & RTP® in QuickBooks® Online

1. Get Paid Instantly – No More Waiting for ACH or Wire Transfers

ACH transactions take days, while FedNow® & RTP® payments process in seconds.
Businesses can access funds immediately, improving financial agility.

2. Lower Transaction Costs – No Credit Card Fees

Credit card networks charge businesses 2-4% per transaction.
With FedNow® & RTP®, payments are direct, cutting out costly intermediaries.

3. 24/7/365 Transactions – No Banking Delays

⏰ Traditional bank transfers are restricted to business hours and cut-off times.
✅ FedNow® & RTP® process payments instantly—even on weekends and holidays.

4. No Chargebacks – Enhanced Security & Finality

Credit card payments can be reversed, leading to fraud risks.
✅ FedNow® & RTP® transactions are final and secure, eliminating disputes.

5. Works for All Business Payment Types (B2B, C2B, and B2C)

✅ B2B (Business-to-Business) Transactions: Vendors, suppliers, and contractors receive payments instantly.
✅ C2B (Customer-to-Business) Transactions: Customers make real-time payments, improving checkout efficiency.
✅ B2C (Business-to-Customer) Transactions: Businesses send payroll, refunds, and rebates instantly.

FedNow® & RTP® vs. Traditional Payment Methods in QuickBooks® Online

Comparison Table: Requests Payment vs. ACH vs. Credit Cards

Feature

Requests Payment (FedNow® & RTP® in QuickBooks®)

ACH Transfers

Credit Cards

Wire Transfers

Processing Speed

Instant (Seconds)

1-3 Business Days

1-3 Business Days

Same Day (Cut-off Times)

Availability

24/7/365

Business Days Only

24/7, but slow settlement

Business Days Only

Transaction Fees

Low or None

Varies by Bank

2-4% Per Transaction

High Fees ($15-$50)

Chargebacks Allowed?

No

Possible Reversals

Yes

Possible Reversals

Integration with QuickBooks®

✅ Via SecureQBPlugin™

✅ Delayed Processing

✅ With High Fees

❌ Limited

 

Key Takeaway: Integrating FedNow® & RTP® with QuickBooks® Online via SecureQBPlugin™ offers the fastest, safest, and most cost-effective way to process invoices and payments.

Ask Us:

Integrate FedNow® & RTP® with QuickBooks® Online for real-time invoicing.
SecureQBPlugin™ for instant invoice payments in QuickBooks®.
How businesses can save money using FedNow® & RTP® payments.
Real-time invoice processing with FedNow® & RTP® in QuickBooks®.
How to eliminate credit card fees with instant payments in QuickBooks®.

How to Get Started with Requests Payment in QuickBooks® Online Using SecureQBPlugin™

Step-by-Step Guide:

✅ Step 1: Ensure Your Bank Supports FedNow® or RTP®.
✅ Step 2: Download & Install SecureQBPlugin™.
✅ Step 3: Connect Your Bank Account & Enable Instant Payments.
✅ Step 4: Activate FedNow® & RTP® for QuickBooks® Online Invoices.
✅ Step 5: Start Sending & Receiving Real-Time Payments—24/7/365!

Once integrated, businesses can process invoices instantly, reduce transaction fees, and automate reconciliation in QuickBooks®.

Upgrade Your Payment System with TodayPayments.com

Are you still waiting days for invoice payments and paying high transaction fees? It’s time to switch to real-time transactions with FedNow® & RTP® in QuickBooks®!

Business Owners & Accountants: Automate invoicing, eliminate payment delays, and improve cash flow.
Retailers & Service Providers: Accept real-time customer payments with no chargebacks.
Freelancers & Contractors: Stop waiting for ACH transfers—get paid in seconds.
Banks & Financial Institutions: Offer your customers the fastest, most secure payment option available today.

With SecureQBPlugin™ and TodayPayments.com, integrating real-time payments with QuickBooks® Online has never been easier.

Sign up with TodayPayments.com now and start accepting instant invoice payments!

 

Request for Payment

Creation Request for Payment Bank File

Enhance Your Requests Payment using QuickBooks QBO integrating through SecureQBPlugin.com 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.

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