RfP™ Request for Payment RTP® | Instant Bank Payments for QBO QuickBooks®
We empower businesses to accelerate cash flow and financial accuracy by delivering real-time Request for Payment infrastructure that transforms invoicing into instant settlement. We position ourselves as the real-time payments infrastructure layer that powers instant bank payments inside accounting systems. Through Real-TimePayments.com, we connect QBO QuickBooks® with RTP® networks, delivering seamless payment execution defined by speed, certainty, and automation.
Get paid in seconds with ISO 20022 messaging
We are transforming accounting into a real-time
payment experience by embedding Request for Payment (RfP™) directly
into QBO QuickBooks® workflows. Through ISO 20022 messaging and RTP®
networks, we enable businesses to turn invoices into instant payment
requests that deliver immediate settlement, eliminate delays, and
provide guaranteed good funds. We bring speed, certainty, and
automation into accounts receivable, empowering businesses to
operate without friction.
ISO 20022 RfP QBO
Services for Businesses as a Payee
We provide integrated services that enable businesses to generate and deliver Request for Payment messages directly from QBO QuickBooks®, allowing payees to request and receive payments instantly. Our services include ISO 20022 RfP™ messaging, multi-bank merchant account activation, alias-based invoicing, QR code and hyperlink-enabled payment access, hosted merchant pages, and automated accounts receivable reconciliation with built-in RfP™ aging capabilities across multiple financial institutions.
Solutions for Payee Businesses
We deliver solutions that convert invoices into real-time payment opportunities, allowing payees to receive funds in seconds instead of days. Our platform supports dynamic merchant pages where payers can select their preferred payment method including RTP®, Same-Day ACH, credit cards, wires, or financing. We provide flexible data integration options, enabling invoice details to be embedded directly in the RfP™ message or accessed through secure hyperlinks that lead to detailed hosted payment pages.
Benefits for Payee Businesses
We accelerate cash flow by enabling instant settlement, eliminate chargebacks with guaranteed good funds, improve accounting accuracy through real-time synchronization, reduce transaction costs, enhance customer payment convenience, and provide continuous payment capability anytime and anywhere. Businesses gain improved liquidity, reduced financial risk, and stronger operational efficiency.
Features for Payee Businesses
We offer Request for Payment invoicing powered by ISO 20022 messaging, real-time settlement through RTP® networks, automated reconciliation within QBO QuickBooks®, multi-bank routing optimization, customizable merchant pages, secure payer authorization workflows, alias-based payment addressing, QR code payment access, and real-time CFO dashboards for financial visibility.
Top 10 Feature-Rich Reasons to Choose Premier RTP®
Turn every 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 plus certainty
Send
invoice with pay now capability
Instant deposit with guaranteed
funds
Get paid instantly
Bank transfer instant
B2B and C2B Request for Payment Parameters, Attributes, Benefits and Features
We enable structured Request for Payment workflows that include unique message identifiers, payer and payee credentials, invoice-level remittance data, real-time authorization controls, multi-rail payment options, hyperlink-driven merchant pages, QR-enabled access, secure approval mechanisms, and automated reconciliation processes delivering faster transaction cycles, improved transparency, enhanced accuracy, reduced risk exposure, and seamless payment experiences across B2B and C2B environments.
Streamline Payments with Advanced Request for Payment Options
We harness the power of Request for Payment systems to transform invoice and remittance management by supporting diverse data integration methods. Payees can include detailed invoice data directly within the RfP™ message or provide a hyperlink to a comprehensive merchant page where payers can choose between RTP®, Same-Day ACH, card payments, wire transfers, or financing options.
Flexible Invoice Details with ISO 20022 Messaging
We leverage ISO 20022 messaging flexibility to allow businesses to present payment details directly within the RfP™ message using concise descriptions or through dynamic hyperlinks that lead to fully detailed merchant pages. These pages can be hosted on your own website or through integrated hosted payment environments, ensuring a seamless and customizable payment experience.
Customizable Merchant Pages for Enhanced Customer Experience
We provide customizable merchant pages that display all available payment options across multiple MIDs and financial institutions. These pages allow payers to select real-time payment, Same-Day ACH, or card options through a simple interface, improving usability and increasing payment completion rates through a single-click experience.
Minimum ISO 20022 Request for Payment Data Fields
The required data fields for a compliant RfP™ include a unique message identifier, creation timestamp, payee identification, payer identification, payment amount and currency, remittance or invoice reference, requested execution or due date, and payer response instructions, ensuring interoperability, automation, and accurate reconciliation across systems.
Businesses using QBO QuickBooks® are increasingly adopting Request for Payment solutions that leverage RTP® networks to enable instant bank transfers and eliminate traditional payment delays. Companies seeking faster alternatives to ACH are implementing real-time payment infrastructure to improve cash flow and deliver seamless customer payment experiences. Organizations across industries are leveraging ISO 20022 messaging to automate invoicing and enhance reconciliation accuracy within accounting systems. Merchants modernizing their payment operations are integrating real-time bank payment solutions that combine speed, security, and automation into a single platform.
How to Get Approved for RTP® Merchant Processing Account
We streamline onboarding by activating merchant RfP™ accounts across multiple banks and credit unions in all 50 states, enabling interoperability and real-time payment capabilities. Our process includes integration with QBO QuickBooks®, configuration of payment routing and authorization workflows, and deployment of secure, compliant infrastructure to ensure rapid approval and immediate access to RTP® networks.
Conclusion:
We are redefining how businesses get paid.
Real-TimePayments.com is an American accounting fintech merchant processor and strategic enabler of real-time payments through RTP® networks. We deliver a full-service Request for Payment ecosystem that transforms invoicing into instant financial execution.
We specialize in activating merchant RfP™ accounts across multiple financial institutions nationwide, providing infrastructure that works anytime, anywhere through aliases, hyperlinks, and QR codes built into every transaction.
No delays • No chargebacks • real-time bank payments.
👉 Activate your real-time payments today: https://www.Real-TimePayments.com
Creation Request for Payment Bank File
Enhance Your RfP QBO using Real-Time Payments 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 Real-Time 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 Request For Payment payment processing
