RTP® & FedNow®: Free Real-Time Payments with QuickBooks® QBO Integration

How RTP® & FedNow® Enhance Business Transactions

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.

The Future of Real-Time Payments is Here

In today’s fast-paced digital economy, businesses need instant, secure, and cost-effective payment solutions. Real-Time Payments (RTP®) and FedNow® are revolutionizing the way transactions are processed, eliminating delays and enhancing cash flow efficiency. With zero transaction fees, seamless integration into QuickBooks® Online (QBO), and a unique payer-pays-the-fee model, these modern payment networks are redefining financial operations. Whether you're a small business or a large enterprise, leveraging RTP® and FedNow® can significantly optimize your payment processes while eliminating traditional processing costs.


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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.

Integrated Invoicing with QuickBooks® Online (QBO)

RTP® & FedNow®: Free Real-Time Payments with QuickBooks® QBO Integration

What Makes RTP® & FedNow® the Ultimate Payment Solution?

Unlike traditional payment methods, RTP® and FedNow® offer instantaneous transactions, ensuring that businesses get paid in real time without the hassle of waiting for bank transfers or credit card settlements. Here’s why businesses are making the switch:

Key Benefits of RTP® & FedNow® with QuickBooks® QBO

✅ Free Transaction Fees – The Payer Covers Processing Costs

  • Businesses using RTP® and FedNow® enjoy a unique cost structure where the payer covers transaction fees, allowing merchants to receive the full invoice amount with no deductions.
  • Eliminates traditional credit card processing fees that can range between 2.5% to 3.5% per transaction.

✅ Instant Payment Settlements – No Waiting for Funds

  • Unlike ACH transfers or credit card transactions, RTP® and FedNow® enable instant deposits, improving cash flow and working capital.
  • No funds held by banks—payments are deposited directly into your business account in real time.

✅ Integrated Invoicing with QuickBooks® Online (QBO)

  • Businesses can send real-time invoices directly through QuickBooks® Online, streamlining the payment collection process.
  • Automated reconciliation ensures all payments sync with QuickBooks® without manual data entry.

✅ 24/7/365 Availability – No Banking Hours Limitations

  • Unlike traditional ACH payments or wire transfers, which depend on banking hours, RTP® and FedNow® operate 24/7, including weekends and holidays.
  • Never wait for payments to process—accept payments any time, any day.

✅ Increased Security & Fraud Protection

  • End-to-end encryption and authentication reduce fraud risks compared to traditional credit card payments.
  • Unlike checks or ACH transactions, real-time payments cannot be reversed, reducing chargebacks and disputes.

How RTP® & FedNow® Enhance Business Transactions

Faster Business-to-Business (B2B) Payments

  • Instantly pay suppliers, vendors, and service providers without waiting for bank clearances.
  • Improve cash flow predictability with real-time payment confirmations.

️ Optimized E-Commerce & Retail Transactions

  • Accept payments without incurring high credit card fees, ensuring higher profit margins.
  • Faster order processing due to immediate fund settlement.

Ideal for Subscription & Recurring Payments

  • Automate recurring invoices using QuickBooks® QBO integration.
  • No delays or failed transactions due to bank processing times.

Streamlined Payroll & Employee Payments

  • Pay employees in real time, especially for freelancers or gig workers.
  • Reduce payroll processing costs while ensuring instant salary deposits.

Upgrade Your Business with RTP® & FedNow® via TodayPayments.com

Ready to experience zero-cost merchant payments with instant settlements and seamless QuickBooks® QBO integration? Switch to RTP® and FedNow® today with TodayPayments.com and transform your payment processes!

Eliminate transaction fees
Get paid instantly
Automate invoices with QuickBooks®
Boost cash flow & profitability

Don’t let outdated payment methods hold your business back. Join the future of real-time payments today!

Request for Payment

Creation Request for Payment Bank File

Enhance Your Free FedNow using QuickBooks QBO, 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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