Real-Time Card for RTP® and FedNow® Payments Transactions Integrated with 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® & FedNow® Payment Parameters, Features, and Benefits

Real-Time Payment System Attributes

Attribute	Description
Payment Rails	RTP®, FedNow®
Settlement Speed	Under 10 Seconds (24/7/365)
Funds Type	Irrevocable Good Funds
Transaction Use Cases	A2A, B2B, C2B (One-Time & Recurring)
Delivery Channels	Email, SMS, QR Code, Text Message
Hosted Payment Page	Branded, secure, mobile-responsive
Batch Upload Support	ISO 20022 (.XML, .JSON, Excel)
Accounting Integration	QuickBooks® QBO Auto-Reconciliation
Security & Routing	Alias-Based MID Assignment, Tokenized RfP™
Compliance Standards	ISO 20022, PCI-DSS, NACHA Compliant

Detailed Features

1. Tokenized Real-Time Card for Secure FedNow® and RTP® Transactions

Create digital credentials tied to real-time payment rails, enabling customers to pay merchants in seconds using a Real-Time Card backed by irrevocable Good Funds.

2. Request for Payment (RfP™) Delivered via SMS, Email, or QR Code

Each Real-Time Card transaction is initiated through an RfP™—delivered across the customer’s preferred digital channel and linked to a secure, hosted landing page.

3. Recurring and Batch Billing with ISO 20022 Format Support

Schedule daily, weekly, or monthly payments through batch uploads using ISO 20022 message specifications. Upload .XML, .JSON, or Excel files to trigger payment flows automatically.

4. Instant Reconciliation into QuickBooks® QBO

Once a transaction is completed, the payment is auto-recorded in QuickBooks®—eliminating reconciliation guesswork and accelerating AR close-outs.

5. POS, MOTO, and Ecommerce Compatibility

The Real-Time Card supports all commerce environments—enabling merchants to accept real-time payments wherever they do business.

6. Alias-Based MID Assignment for Departmental or Location-Level Tracking

Assign multiple merchant IDs by division or employee using email or mobile number aliases for clearer reporting and transaction tracking.

Ask us How:

• The Real-Time Card enables instant, card-like transactions using RTP® and FedNow®, settling Good Funds directly into merchant accounts without fees or chargebacks.
• By integrating hosted RfP™ pages, batch upload automation, and QuickBooks® QBO syncing, businesses gain full control of payments and cash flow visibility.
• Unlike ACH or traditional cards, Real-Time Card payments are final, compliant with ISO 20022, and settled 24/7 with no batch cutoffs or reversals.
• Merchants can use secure mobile invoicing, text-to-pay links, and QR code RfPs to allow customers to complete real-time transactions from any device.
• TodayPayments.com offers scalable Real-Time Card solutions for enterprise billing, recurring subscriptions, gig economy platforms, and more.

Why Businesses Choose TodayPayments.com for Real-Time Card Payments

1. ✅ Instant settlement using FedNow® and RTP® rails
2. ✅ Hosted payment links via RfP™ across email, SMS, and QR
3. ✅ Batch upload support with ISO 20022 file formats
4. ✅ QuickBooks® QBO integration for seamless reconciliation
5. ✅ Alias-based MID tracking across departments or staff
6. ✅ Secure, PCI-compliant hosted pages for every transaction
7. ✅ No interchange fees, no chargebacks, no waiting for funds
8. ✅ Compatible with POS, MOTO, ecommerce, and mobile invoicing
9. ✅ Onboard online—no hardware, no contracts
10. ✅ Full AR automation and real-time cash visibility

 

Integrating Real-Time Card POS (Point of Sale) and MOTO (Mail Order/Telephone Order) systems provides significant benefits for merchants and payees. Here's a comprehensive look at how these systems can benefit merchants and payees, along with the process of integration through SecureQBPlugin.com with QuickBooks Online (QBO) and QuickBooks Enterprise.

Benefits and Features for Merchants/Payees

1. Instant Payment Processing

• Immediate Fund Availability: Payments are processed in real-time, ensuring that funds are immediately available for the merchant, improving cash flow.
• Reduced Wait Times: Eliminates the delay associated with traditional card processing methods, where funds might take several days to clear.

2. Enhanced Security

• Data Encryption: Ensures that all transactions are encrypted, reducing the risk of fraud and protecting sensitive card information.
• Compliance with Regulations: Adheres to industry standards and regulations, providing an added layer of security and trust.

3. Improved Customer Experience

• Fast Transactions: Customers benefit from quick and efficient payment processing, reducing wait times at checkout.
• Convenient Payment Options: Supports multiple card types and contactless payments, offering greater convenience to customers.

4. Financial Management and Reconciliation

• Automatic Reconciliation: Integrates seamlessly with QuickBooks Online and QuickBooks Enterprise, allowing for automatic reconciliation of transactions, reducing manual errors.
• Real-Time Cash Flow Management: Provides up-to-date information on cash flow, aiding in better financial planning and decision-making.

5. Cost Savings

• Lower Transaction Fees: Potentially lower fees compared to traditional credit card processing, as real-time transactions can reduce intermediary costs.
• Reduced Administrative Costs: Automation reduces the time and cost associated with manual payment processing and reconciliation.

6. Versatility and Flexibility

• Multiple Payment Methods: Supports various card types, including credit, debit, and contactless payments.
• Seamless Integration: Easily integrates with existing POS systems and QuickBooks, providing a streamlined payment process.

7. Competitive Advantage

• Modern Payment Solutions: Offering real-time payments can attract tech-savvy customers and set the business apart from competitors.
• Enhanced Reputation: Providing cutting-edge payment solutions can enhance the merchant’s reputation and customer trust.

8. MOTO (Mail Order/Telephone Order) Benefits

• Remote Payment Processing: Allows merchants to process payments for orders received via mail or telephone, expanding their customer base.
• Secure Transactions: Ensures secure handling of card information for remote transactions, reducing the risk of fraud.
• Convenient for Customers: Offers a convenient payment option for customers who prefer to order by phone or mail.

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 POS and MOTO

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.

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.

Example Implementation

1. Enroll in FedNow Service:
   • Merchant signs up on SecureQBPlugin.com and completes FedNow enrollment.
2. Integrate POS and MOTO Systems:
   • Use SecureQBPlugin.com’s API to connect these systems with FedNow.
3. Configure QuickBooks Integration:
   • Set up QuickBooks Online or QuickBooks Enterprise to automatically reconcile real-time card transactions.
   • Link the POS and MOTO systems with QuickBooks for seamless data transfer.
4. Enable Real-Time Payments:
   • Configure the POS and MOTO systems to offer real-time payment options.
   • Train staff to handle real-time transactions efficiently.
5. Monitor and Reconcile Payments:
   • Use SecureQBPlugin.com dashboard for real-time notifications and payment tracking.
   • Automatically reconcile payments in QuickBooks.
6. Ensure Security:
   • Implement data encryption for all transactions.
   • Ensure compliance with financial regulations.
7. Support and Communication:
   • Provide detailed instructions and support for customers.
   • Set up automated notifications for payment confirmations.

Conclusion

By integrating Real-Time Card POS and MOTO with QuickBooks Online and QuickBooks Enterprise through SecureQBPlugin.com, merchants and payees can enjoy numerous benefits. These include improved cash flow, enhanced security, better customer satisfaction, and significant cost savings. This modern payment solution provides a competitive edge and supports efficient financial management.

Why rely on outdated card networks when you can issue real-time credentials that settle instantly and securely—24/7?

With the Real-Time Card by TodayPayments.com, you get everything a modern merchant needs:

✅ Instant irrevocable payments via FedNow® & RTP®
✅ Hosted RfP™ pages delivered by text, QR, or email
✅ Batch uploads and recurring payments with ISO 20022
✅ Full QuickBooks® QBO integration
✅ No chargebacks, no delays, and no processor lock-in

👉 Visit TodayPayments.com now to launch your Real-Time Card program and take control of your payment flow—securely, instantly, and with full certainty.

 

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 Card 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.