How RfP Request for Pay Service Providers Enable Instant Transactions in QuickBooks® Online

What Are RfP Request for Pay Service Providers & How Do They 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.

RfP Request for Pay Service Providers – FedNow® & RTP® Instant Transactions for B2B, C2B, B2C Invoices in QuickBooks® Online

The Need for Instant, Automated Invoicing & Payments

Managing invoices in QuickBooks® Online (QBO) can be a tedious process, especially when dealing with delayed payments, high transaction fees, and manual reconciliation issues. Traditional payment methods—ACH, wire transfers, and credit cards—often create inefficiencies for businesses.

ACH transfers take 1-3 business days to clear, causing cash flow issues.
Credit card payments come with transaction fees ranging from 2-4%, cutting into profits.
Wire transfers are expensive and require manual intervention.

Now, businesses can eliminate these inefficiencies by integrating RfP (Request for Pay) Service Providers with FedNow® & RTP® for instant, secure transactions in QuickBooks® Online via SecureQBPlugin™.

Imagine sending an invoice and receiving payment instantly—24/7/365, with no delays, fees, or chargebacks!

We are exploreing how RfP-enabled FedNow® & RTP® payments can transform B2B, C2B, and B2C invoicing for QuickBooks® users, helping businesses accelerate cash flow and reduce operational costs.


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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 RfP Service Provider Request for Payments in QBO QuickBooks

Request for Pay (RfP) is a real-time invoicing and payment request system that enables businesses, service providers, and individuals to send digital payment requests directly to customers, prompting them to approve and complete the transaction instantly.

With FedNow® & RTP® powering A2A (Account-to-Account) transactions, businesses can accept payments securely, instantly, and at a lower cost compared to traditional methods.

How RfP Works with QuickBooks® Online via SecureQBPlugin™:

✅ The business creates an invoice in QuickBooks® Online.
✅ The customer receives an instant payment request via FedNow® or RTP®.
✅ The customer approves the payment, triggering an immediate transaction.
✅ Funds are deposited in the business’s account instantly—no waiting, no processing delays.
✅ The payment is automatically reconciled in QuickBooks®, eliminating manual tracking.

This process ensures businesses get paid faster, reduce transaction fees, and improve financial management.

Why Businesses Should Use RfP Request for Pay Service Providers for QuickBooks® Online

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

ACH transactions take days, while FedNow® and RTP® payments process in seconds.
Businesses can access funds immediately, improving cash flow.

2. Lower Transaction Costs – No Credit Card Fees

Credit card networks charge businesses 2-4% per transaction.
With FedNow® and RTP®, payments are direct, eliminating unnecessary fees.

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

⏰ Unlike ACH or wire transfers, which depend on banking hours, FedNow® & RTP® process payments anytime—even on weekends and holidays.

4. No Chargebacks – Enhanced Security & Finality

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

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

✅ B2B (Business-to-Business) Payments: Instantly pay suppliers, vendors, and contractors.
✅ C2B (Customer-to-Business) Payments: Customers can make real-time payments, improving checkout and invoicing.
✅ B2C (Business-to-Customer) Payments: Businesses can send payroll, refunds, and rebates instantly.

Comparing RfP Request for Pay FedNow® & RTP® vs. Traditional Payment Methods

Comparison Table: Instant Transactions vs. ACH vs. Credit Cards

Feature

RfP Request for Pay (FedNow® & RTP® in QuickBooks® Online)

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 Request for Pay Service Providers offers the fastest, safest, and most cost-effective way to process invoices and payments.

Ask Us:

Integrate RfP Request for Pay with QuickBooks® Online using FedNow® & RTP®.
SecureQBPlugin™ for real-time QuickBooks® invoice payments.
How businesses can save money using FedNow® & RTP® payments.
Instant invoice processing with FedNow® & RTP® in QuickBooks®.
How to reduce credit card fees with FedNow® in QuickBooks®.

How to Get Started with RfP Request for Pay Service Providers & QuickBooks® Online

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®.

Get Paid Faster with Instant Payments at TodayPayments.com

Why wait days for invoice payments when you can get paid instantly?

Business Owners & Accountants: Automate invoicing, eliminate processing delays, and streamline financial management.
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 future of payments with real-time transactions.

With SecureQBPlugin™ and TodayPayments.com, integrating RfP Service Providers, FedNow®, & RTP® into 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 RfP Service Provider 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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