RfP™ QBO Request for Payment and Request to Pay Accounting with FedNow®, RTP® and Same-Day ACH

Services for Businesses as Payers and Payees

We provide integrated services that enable businesses to generate, send, receive, and respond to Request for Payment messages directly within QBO QuickBooks®. Our services include ISO 20022 RfP™ messaging, real-time payment request delivery, payer authorization workflows, multi-bank merchant account activation, alias-based invoicing, QR code and hyperlink-enabled payment access, and automated accounts receivable reconciliation with built-in aging management.

Solutions for Payers and Payees

We deliver solutions that convert invoices into real-time payment opportunities and allow payers to respond instantly using their preferred payment method. Our platform supports flexible payment selection including FedNow®, RTP®, Same-Day ACH, credit cards, wires, and merchant financing. We provide hosted merchant pages, dynamic invoice presentation, and interoperability across multiple banks and MIDs, ensuring that payments can be completed quickly and efficiently in any environment.

Benefits for Businesses

We accelerate cash flow by reducing payment cycles from days to seconds, eliminate chargebacks through good funds settlement, improve accounting accuracy with real-time synchronization, reduce operational costs, and enhance customer experience through simple and flexible payment options. Businesses benefit from improved liquidity, reduced risk, and full financial visibility across all transactions.

Features for Payers and Payees

We offer Request for Payment invoicing powered by ISO 20022 messaging, real-time settlement through FedNow® and RTP®, Same-Day ACH fallback, automated reconciliation within QuickBooks®, multi-bank routing optimization, customizable merchant pages, secure payer approval workflows, 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)
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, and seamless payment experiences for both B2B and C2B environments.

Streamline Payments with Advanced Request for Payment Options

We harness the power of real-time Request for Payment systems to transform how invoices and remittances are managed. Our platform supports flexible data integration, allowing payees to include detailed invoice information directly within the RfP™ message or link to a comprehensive merchant page where payers can choose their preferred payment method.

Flexible Invoice Details with ISO 20022 Messaging

We leverage the flexibility of ISO 20022 messaging to allow businesses to present payment details either directly within the RfP™ message using concise descriptions or through dynamic hyperlinks that lead to detailed merchant pages. These hosted pages can be deployed 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 between real-time payment, Same-Day ACH, card transactions, or other methods, ensuring a simple and efficient payment journey through a single click from the RfP™ hyperlink.

Minimum ISO 20022 Request for Payment Data Fields

The essential data fields required 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 or due date, and payer response instructions. These structured fields ensure interoperability, automation, and accurate reconciliation across financial systems.

Businesses using QBO QuickBooks® can implement Request for Payment solutions that enable instant bank transfers through FedNow®, RTP®, and Same-Day ACH while maintaining full accounting automation and synchronization. Companies seeking alternatives to ACH are adopting real-time payment infrastructure to improve cash flow, reduce delays, and provide seamless payment experiences through integrated accounting workflows. Organizations across industries are leveraging ISO 20022 messaging within QuickBooks® to automate invoicing, enhance reconciliation accuracy, and accelerate financial operations. Merchants looking to modernize payment processing are integrating real-time bank payment solutions that combine speed, security, and automation into a single accounting-native platform.

How to Get Approved for Interoperable FedNow® & RTP® Merchant Processing

We simplify approval by activating merchant RfP™ accounts through QBO QuickBooks® integration, enabling multiple MIDs across banks and credit unions nationwide, configuring payer authorization workflows, and establishing interoperability across real-time payment networks. We support businesses of all sizes, ensuring rapid onboarding, compliance, and immediate access to real-time payment capabilities.

Conclusion:

We are transforming accounting into a real-time payments engine.

Real-TimePayments.com is an American accounting fintech merchant processor and a strategic enabler of real-time payments through FedNow® and RTP® networks. We provide a full-service Request for Payment ecosystem that connects invoices, payment requests, and settlement into one seamless workflow.

We specialize in activating merchant RfP™ accounts across multiple financial institutions, delivering infrastructure that works anytime, anywhere. With aliases, hyperlinks, QR codes, and automated reconciliation built in, we empower businesses to operate faster and with complete confidence.

No delays • No chargebacks • Real-time bank payments.

👉 Activate real-time payments today: https://www.Real-TimePayments.com