RfP™ QB Request for Payment and Request to Pay Accounting with FedNow®, RTP® and Same-Day ACH
We deliver seamless, real-time financial connectivity that empowers businesses to send, receive, and reconcile payments instantly through intelligent Request for Payment infrastructure.
We position ourselves as the accounting-native real-time payments infrastructure layer that bridges QuickBooks® with FedNow®, RTP®, and Same-Day ACH. We simplify complex payment rails into a unified experience that enables businesses to operate faster, smarter, and with total financial clarity.
Revolutionizing RfP QB
We are transforming accounting into a real-time
payments experience by embedding Request for Payment (RfP™) directly
into QuickBooks® workflows. Through ISO 20022 messaging, we enable
both payers and payees to initiate, approve, and settle transactions
instantly using modern payment rails. We eliminate delays, reduce
friction, and bring speed and certainty into every transaction by
connecting accounting systems to real-time financial networks.
Streamline RfP QB
Services for Businesses as Payers and Payees
We provide comprehensive services that unify Request to Pay and Request for Payment within QuickBooks® environments, enabling instant invoicing, payer authorization workflows, real-time settlement, and automated reconciliation. Our services include RfP™ generation, payer response processing, multi-rail payment routing across FedNow®, RTP®, and Same-Day ACH, hosted payment pages, alias-based invoicing, QR code payments, and multi-bank merchant account activation across all 50 states.
Solutions for Payers and Payees
We deliver solutions that integrate directly into accounting systems, allowing businesses to initiate RfP™ requests from invoices, present flexible payment options to payers, and receive instant settlement. Our platform supports dynamic merchant pages, hyperlink-based invoice presentation, and embedded ISO 20022 messaging that allows payers to choose their preferred payment method including real-time bank transfers, Same-Day ACH, credit cards, wires, or merchant financing. We enable interoperability across multiple banks, multiple MIDs, and multiple payment rails for maximum flexibility.
Benefits for Businesses
We enable faster cash flow by reducing payment cycles from days to seconds, eliminate chargebacks through good funds settlement, improve financial accuracy with real-time reconciliation, reduce operational costs compared to card payments, enhance payer experience with flexible payment options, and provide continuous payment availability anytime, anywhere. Our system improves working capital management and strengthens vendor and customer relationships through predictable payment timing.
Features for Payers and Payees
We offer instant payment initiation through RfP™, real-time settlement via FedNow® and RTP®, Same-Day ACH fallback, automated A/R reconciliation with aging workflows, customizable merchant pages, secure payer authorization controls, multi-bank routing optimization, ISO 20022 structured messaging, alias-based payment addressing, and full interoperability across accounting systems and financial institutions.
Top 10 Feature-Rich Reasons to Choose Premier FedNow®, RTP® or Same-Day ACH
Turn every QuickBooks invoice into
instant, guaranteed payment
Get paid in seconds, not days
Bank payments without waiting
Good funds, instantly
Accept payments anytime, anywhere
Matches user intent:
speed + certainty
Send Invoice + Pay Now
Instant
Deposit (Good Funds)
Get Paid Instantly
Pay Now (Bank
Transfer)
B2B and C2B Request for Payment Parameters, Attributes, Benefits and Features
We enable B2B and C2B Request for Payment workflows that include structured ISO 20022 messaging, invoice-level detail integration, payer decision controls, multi-rail payment options, hyperlink-driven merchant pages, QR code access, alias-based identification, real-time authorization, instant settlement, automated reconciliation, flexible payment routing, and enhanced transparency for both payer and payee, resulting in faster transactions, improved accuracy, reduced risk, and a superior payment experience across all business types.
Flexible Invoice Details with ISO 20022 Messaging
We leverage the flexibility of ISO 20022 messaging to allow businesses to embed payment details directly within RfP™ messages or link to a dynamic merchant page. We support concise descriptions or full invoice presentations through secure hyperlinks, enabling payers to view, select, and complete payments seamlessly. Merchant pages can be hosted on your own website or through integrated hosted payment environments, ensuring a consistent and customizable payment experience.
Customizable Merchant Pages for Enhanced Experience
We provide customizable merchant pages that display all available payment options across multiple MIDs and financial institutions. These pages allow payers to choose between real-time payments, Same-Day ACH, card transactions, wire transfers, or financing options, all accessible through a single RfP™ hyperlink. This flexibility improves conversion rates and simplifies payment execution.
Minimum ISO 20022 Request for Payment Data Fields
The minimum required data fields for an ISO 20022 RfP™ include a unique message identifier, creation timestamp, payee identification, payer identification, payment amount and currency, remittance or invoice reference, requested execution date or due date, and payer response instructions. These structured elements ensure interoperability, accuracy, and automated reconciliation across financial systems.
How to Get Approved for Interoperable FedNow® & RTP® Merchant Processing
We streamline onboarding by activating RfP™ merchant accounts through QuickBooks® integration, enabling multiple MIDs across participating banks and credit unions, configuring payer authorization workflows, and establishing interoperability across payment rails. We support businesses of all sizes, from sole proprietors to multi-state enterprises, ensuring compliance, scalability, and immediate access to real-time payment capabilities.
Businesses using QuickBooks® can now implement Request for Payment solutions that enable instant bank transfers through FedNow®, RTP®, and Same-Day ACH while maintaining full accounting synchronization and automation. Companies seeking ACH alternatives are adopting real-time payment infrastructure to improve cash flow, eliminate delays, and provide flexible payment options to customers through secure RfP™ workflows. Organizations across industries are leveraging ISO 20022 messaging within QuickBooks® to deliver structured payment requests that enhance reconciliation accuracy and operational efficiency. Merchants looking to optimize payment processing are integrating real-time bank payment solutions that combine instant settlement, multi-bank routing, and automated accounts receivable management.
Conclusion:
We are redefining how money moves inside accounting systems.
Real-TimePayments.com is an American accounting fintech merchant processor and strategic enabler of real-time payments through FedNow® and RTP® networks. We provide a complete Request for Payment ecosystem that transforms QuickBooks® into a real-time financial engine.
We specialize in activating merchant RfP™ accounts across multiple banks and credit unions nationwide, enabling businesses to operate with speed, certainty, and control. Whether through aliases, hyperlinks, QR codes, or dynamic merchant pages, we deliver payment infrastructure that works anytime, anywhere.
Streamline your invoicing. Accelerate your cash flow. Eliminate delays.
👉 Activate your real-time payments today: https://www.Real-TimePayments.com
Creation Request for Payment Bank File
Enhance Your RfP QB 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 "Your Website" - Hosted Payments Page 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 today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients receive faster availability of funds on deposited items and instant notification of items presented for deposit all based on real-time activity. Dedicated to providing superior customer service and industry-leading technology.
Contact Us for RfP QB payment processing pricing
