Send Money FedNow® & RTP® – Real-Time Payments for QuickBooks® Online

What Are Send Money FedNow® & RTP®? 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.

Send Money FedNow® & RTP® – Instant Transactions for B2B, C2B, and B2C Invoices in QuickBooks® Online

The Future of Instant Payments in QuickBooks® Online

For businesses that rely on QuickBooks® Online (QBO), managing B2B, C2B, and B2C invoices efficiently is critical to maintaining healthy cash flow. However, traditional payment methods such as ACH, credit cards, and wire transfers come with processing delays, high fees, and manual reconciliation hassles.

���� ACH transactions take 1-3 business days to process.
���� Credit card transactions charge 2-4% in processing fees.
���� Wire transfers are expensive and restricted by banking hours.

Now, businesses can eliminate these inefficiencies by integrating Send Money FedNow® & RTP® instant transactions with QuickBooks® Online via SecureQBPlugin™.

���� Imagine sending invoices and getting paid instantly—24/7/365, with no processing fees or delays!

TodayPayments.com explores how Send Money FedNow® & RTP® integrate with QuickBooks® Online, making B2B, C2B, and B2C payments faster, more secure, and cost-efficient.


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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 "Send Money FedNow Request for Payments in QBO QuickBooks

Send Money FedNow® and RTP® (Real-Time Payments) enable businesses and individuals to send and receive payments instantly, without relying on traditional payment networks. Unlike ACH and credit card payments, which involve batch processing and intermediaries, FedNow® and RTP® provide direct bank-to-bank transfers in real time.

How Send Money FedNow® & RTP® Work with QuickBooks® Online

✅ The business creates an invoice in QuickBooks® Online.
✅ The customer receives a payment request via FedNow® or RTP®.
✅ The customer approves the transaction, and funds are transferred instantly.
✅ The payment is automatically recorded and reconciled in QuickBooks®.

���� This seamless process reduces errors, eliminates waiting periods, and improves cash flow.

Why Businesses Should Use Send Money FedNow® & RTP® in QuickBooks® Online

1. Get Paid Instantly – No More Waiting for Bank Transfers

���� ACH transactions take days, while FedNow® and RTP® payments clear in seconds.
���� Businesses can access funds immediately, reducing cash flow constraints.

2. Eliminate Credit Card Processing Fees

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

3. 24/7/365 Payments – Even on Weekends & Holidays

⏰ Unlike ACH or wire transfers, which depend on banking hours, FedNow® and RTP® work anytime.
✅ Businesses no longer have to wait for the next business day for payments to clear.

4. No Chargebacks – Enhanced Security & Finality

���� Credit card payments can be reversed through chargebacks, leading to revenue losses.
✅ FedNow® and 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: Pay suppliers and vendors instantly, improving operational efficiency.
✅ C2B (Customer-to-Business) Payments: Customers can make real-time payments, speeding up checkout and invoicing.
✅ B2C (Business-to-Customer) Payments: Businesses can issue instant refunds, payroll deposits, and rebates.

Send Money FedNow® & RTP® vs. Traditional Payment Methods

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

Feature

Send Money FedNow® & RTP®

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 Send Money FedNow® & RTP® with QuickBooks® Online offers the fastest, safest, and most cost-effective way to process invoices and payments.

Attributes:

 Integrate Send Money FedNow® & RTP® with QuickBooks® Online.
 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 Send Money FedNow® in QuickBooks®.

How to Integrate Send Money FedNow® & RTP® with 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.

Future-Proof Your Business with Send Money FedNow® & RTP® in QuickBooks®

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

 Business Owners & Accountants: Automate invoicing, eliminate processing delays, and streamline your workflow.
 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™, integrating Send Money FedNow® & RTP® into QuickBooks® Online has never been easier.

���� Visit SecureQBPlugin™ today and start accepting instant invoice payments!

Request for Payment

Creation Request for Payment Bank File

Enhance Your Send Money FedNow 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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