Real-Time Bill Pay with Auto-Pay for Guaranteed Good Funds, 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.

RTP® Parameters, Attributes, Benefits, and Features

Real-Time Payment System Parameters

Attribute	Description
Payment Rails	FedNow®, RTP®
Settlement Time	Real-Time (sub-10 seconds)
Funds Type	Irrevocable Good Funds
Billing Type	One-time or Recurring via Auto-Pay
Batch Uploads	ISO 20022: .XML, .JSON, Excel
Integration	QuickBooks® QBO (AR Sync)
RfP™ Delivery	SMS, Email, Texting, Embedded Links
Availability	24/7/365
Security	Hosted, Branded, Mobile-Optimized Pages

Features

1. Auto-Pay Enrollment with Hosted RfP™

Customers can opt into Auto-Pay through branded RfP™ links, scheduling recurring payments that settle in real time using RTP® or FedNow®—eliminating late fees, bounced checks, or manual invoices.

2. Guaranteed Good Funds—No Chargebacks

Every payment received is final and irrevocable, giving businesses the confidence of certain settlement with no risk of reversal or fraud dispute.

3. QuickBooks® QBO Integration for Instant Reconciliation

Payments are automatically synced into your AR ledger in QuickBooks® QBO, eliminating manual entry and streamlining monthly close processes.

4. Batch Payment Support Using ISO 20022

Businesses can batch upload recurring or one-time payment instructions using structured formats compatible across U.S. banks and credit unions.

5. Alias-Based MID Assignment

Assign MID codes by location, employee, or department using email or mobile identifiers—improving reconciliation and reporting granularity.

6. Hosted Payment Pages Accessible on Any Device

Every RfP™ includes a secure, mobile-optimized payment page that simplifies Auto-Pay enrollment and transaction confirmation for customers.

7. Real-Time Fund Tracking and Notifications

Receive real-time updates when payments settle, with full visibility across dashboards and audit trails—ideal for finance teams and compliance.

Ask us How:

• Real-Time Bill Pay using Auto-Pay powered by FedNow® and RTP® gives merchants the ability to receive certain Good Funds instantly, 24/7, with real-time syncing to QuickBooks® QBO.
• Batch uploading recurring payment instructions using ISO 20022 XML, JSON, or Excel enables businesses to automate high-volume Auto-Pay programs.
• With hosted RfP™ links and branded checkout pages, customers can securely authorize Auto-Pay transactions from mobile, email, or digital invoice.
• Unlike traditional ACH or credit cards, real-time payments settle instantly with finality, reducing cash flow gaps and eliminating chargebacks.
• TodayPayments.com integrates deeply with QBO to provide automatic reconciliation, transaction tracking, and AR reporting with no manual processes.

Why Businesses Choose TodayPayments.com for Real-Time Auto-Pay

1. ✅ Enable hosted RfPs with Auto-Pay for recurring billing
2. ✅ Settle transactions instantly using RTP® or FedNow® rails
3. ✅ Upload batch payments in ISO 20022 format
4. ✅ Reconcile automatically with QuickBooks® QBO
5. ✅ Eliminate chargebacks with irrevocable Good Funds
6. ✅ Assign alias-based MIDs for clean reporting
7. ✅ Accept payments 24/7—even on weekends and holidays
8. ✅ Launch in minutes with fully remote onboarding

 

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To set up Real-Time Bill Pay using either a Bank Bill-pay dashboard or a Biller payment page, with merchants enrolling in FedNow Service through SecureQBPlugin.com using QuickBooks Online (QBO) and QuickBooks Enterprise, follow these detailed steps:

Steps for Real-Time Bill Pay Integration

1. Merchant Enrollment in FedNow Service

1. Register with SecureQBPlugin.com:
   • Merchants need to 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.
   • Ensure that the merchant's bank account is linked and ready to receive real-time payments.

2. Setting Up Real-Time Bill Pay

Via Bank Bill-Pay Dashboard:

1. Enable Bill-Pay Option:
   • Merchants need to ensure that their biller details are registered with the customer's bank's Bill-pay service.
   • This often involves working with the bank to ensure that biller details are correctly listed and accessible to customers.
2. Customer Authorization:
   • Customers can add the merchant as a payee in their bank's Bill-pay dashboard.
   • Once set up, they can schedule real-time payments through the FedNow network.

On Biller Payment Page:

1. Integrate Payment Page:
   • Embed the SecureQBPlugin.com payment widget or API on the merchant's payment page.
   • This widget should allow customers to enter payment details and authorize real-time payments via FedNow.
2. Real-Time Payment Execution:
   • Once a customer authorizes a payment, SecureQBPlugin.com will process the transaction through FedNow, providing instant confirmation to both the customer and the merchant.

3. Ensuring Real-Time Confirmation

1. Instant Notifications:
   • Configure notifications within SecureQBPlugin.com to alert both the merchant and the customer upon successful payment.
   • This can include email, SMS, or in-app notifications.
2. Payment Reconciliation:
   • Payments received via FedNow should be instantly reflected in the merchant's bank account.
   • QuickBooks can be set up to automatically reconcile these payments, ensuring accurate accounting records.

4. Integration with QuickBooks

For QuickBooks Enterprise:

1. Enable ACH Payments:
   • Navigate to Customers > Create Invoices.
   • Enable ACH payment options.
   • Configure the payment method with SecureQBPlugin.com for Real-Time ACH, FedNow, and RTP.
2. Set Up Bank Feeds:
   • Go to Banking > Bank Feeds.
   • Connect your bank account to receive Real-Time ACH, FedNow, and RTP transactions.

For QuickBooks Online (QBO):

1. Enable ACH Payments:
   • Go to Sales > Invoices.
   • Enable ACH payment options.
   • Configure the payment method with SecureQBPlugin.com for Real-Time ACH, FedNow, and RTP.
2. Set Up Bank Feeds:
   • Go to Banking > Bank Accounts.
   • Connect your bank account to receive Real-Time ACH, FedNow, and RTP transactions.

5. Security and Compliance

1. Data Encryption:
   • Ensure all payment data is encrypted and secure.
2. Regulatory Compliance:
   • Verify that SecureQBPlugin.com complies with NACHA rules, FedNow, RTP, and any other relevant financial regulations.

6. Customer Support and Communication

1. Customer Instructions:
   • Provide clear instructions on how customers can set up and use real-time bill pay via their bank's Bill-pay dashboard or the merchant’s payment page.
   • Include FAQs and troubleshooting tips on the merchant's website.
2. Support Services:
   • Offer support channels (email, phone, chat) to assist customers with any issues related to real-time payments.

Example Implementation

1. Enroll in FedNow Service:
   • Merchant signs up on SecureQBPlugin.com and completes FedNow enrollment.
2. Configure Payment Options:
   • Set up the merchant's details in the bank's Bill-pay system.
   • Integrate the SecureQBPlugin.com payment widget on the merchant’s payment page.
3. Enable Real-Time Bill Pay:
   • Customers add the merchant as a payee in their bank's Bill-pay dashboard.
   • Customers use the payment widget to make real-time payments on the merchant’s site.
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 for all transactions.
   • Ensure compliance with financial regulations.
6. Support and Communication:
   • Provide detailed instructions and support for customers.
   • Set up automated notifications for payment confirmations.

By following these steps, merchants can set up Real-Time Bill Pay via either Bank Bill-pay dashboards or on their payment pages, leveraging FedNow Service through SecureQBPlugin.com with QuickBooks Online and QuickBooks Enterprise to provide a seamless and efficient payment experience.

Why wait days to get paid—or risk payment failure—when your business can collect instantly with certainty?

At TodayPayments.com, we help businesses automate Real-Time Bill Pay using Auto-Pay, hosted RfPs, and Good Funds settlement over FedNow® and RTP®. With direct QuickBooks® QBO integration, real-time payments are synced, tracked, and reconciled the moment they happen.

✅ Instant settlement
✅ Batch support with ISO 20022
✅ Hosted payment pages—mobile-ready
✅ No chargebacks, no guesswork
✅ Works seamlessly with QuickBooks® QBO

👉 Visit TodayPayments.com to activate your Real-Time Auto-Pay system today.
Send. Settle. Sync. Secure. Instantly.

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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% 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.