Real-Time Bill Payments via Batch Upload Using RfP™, Email, SMS & QR Codes to Hosted Payment Pages

Real-Time Payments Parameters, Attributes, Benefits & Features

Core Real-Time Payment Parameters

Itemized Features

1. Automated Batch Billing with ISO 20022 File Uploads

Businesses can automate large volumes of payments by uploading structured XML, JSON, or Excel files that schedule RfP™ links—ideal for recurring billing and invoicing.

2. Multi-Channel RfP™ Delivery: Email, Text, QR Codes

Each RfP™ is sent through the customer’s preferred channel—whether email, text message, or QR code—making the payment process seamless and frictionless.

3. Hosted Payment Pages for Instant Payment Authorization

Each RfP™ directs to a hosted landing page, branded and mobile-ready. No login required, no delay in conversion—just pay and go.

4. FedNow® and RTP® Integration for Good Funds Settlement

Payments process in under 10 seconds and are irreversible, offering finality without chargebacks—perfect for mission-critical AR transactions.

5. Alias-Based MID Assignment for Department-Level Tracking

Track incoming payments by location, department, or user with alias-based MIDs tied to email addresses or phone numbers.

6. QBO and ERP Reconciliation in Real-Time

As soon as a payment is received, your AR system is updated automatically—no spreadsheets, no delays, just clear cash flow.

Ask us How:

• Real-Time Bill Payments via Request for Payment (RfP™) allow businesses to schedule and batch recurring invoices using ISO 20022 uploads while delivering secure links through SMS, email, or QR codes.
• Each customer is directed to a hosted payment page where they can complete payment using FedNow® or RTP®—settled in seconds with irrevocable Good Funds.
• Whether you’re billing by POS, ecommerce, or MOTO channels, TodayPayments.com ensures seamless delivery and collection across all touchpoints.
• Integration with QuickBooks® QBO and ERPs means every real-time payment is automatically tracked and reconciled—cutting hours of admin work.
• FedNow® and RTP® remove the delays of ACH and the risks of credit cards, offering real-time certainty and 24/7 availability.

Why Businesses Choose TodayPayments.com

1. ✅ Batch-upload RfP™ links via ISO 20022 files
2. ✅ Send hosted payment links through email, SMS, or QR code
3. ✅ Get paid instantly with irrevocable Good Funds via FedNow® & RTP®
4. ✅ Branded, mobile-friendly payment pages—no coding needed
5. ✅ Full AR automation with QuickBooks® QBO integration
6. ✅ Track payments by alias-based MID
7. ✅ Eliminate chargebacks, delays, and reconciliation headaches
8. ✅ 24/7 availability, including holidays and weekends
9. ✅ No hardware or bank visit required—activate online

Integrating Real-Time Bill Payments with both digital and paper invoicing provides numerous benefits and features for payees and merchants. Here’s an overview of how to implement this using FedNow Service through SecureQBPlugin.com with QuickBooks Online (QBO) and QuickBooks Enterprise, along with the benefits and features:

Integration Steps

1. Merchant Enrollment in FedNow Service

1. Register with SecureQBPlugin.com:
   • Sign up on SecureQBPlugin.com and enroll in their FedNow Service.
   • Complete any necessary KYC (Know Your Customer) and compliance processes.
2. Configure FedNow Integration:
   • Set up the FedNow Service within the SecureQBPlugin.com dashboard.
   • Link the merchant's bank account to receive real-time payments.

2. Setting Up Real-Time Payment for Digital and Paper Invoicing

Digital Invoicing:

1. Integrate Invoicing Software:
   • Ensure your digital invoicing system (such as QuickBooks Online or QuickBooks Enterprise) is integrated with SecureQBPlugin.com.
   • Use SecureQBPlugin.com's API to add FedNow as a payment option on digital invoices.
2. Send Digital Invoices:
   • Generate and send digital invoices through your invoicing software.
   • Include a payment link that directs customers to a SecureQBPlugin.com payment page to complete the transaction using FedNow.

Paper Invoicing:

1. Include Payment Instructions:
   • Print payment instructions on paper invoices that guide customers on how to make real-time payments.
   • Provide a URL or QR code that directs customers to the SecureQBPlugin.com payment page.
2. Accept Real-Time Payments:
   • Customers can visit the provided URL or scan the QR code to access the payment page.
   • SecureQBPlugin.com processes the transaction through FedNow, ensuring immediate confirmation and settlement.

Benefits and Features for Payees/Merchants

1. Speed and Efficiency:

• Instant Payment Processing: Real-time transactions ensure that payments are processed instantly, improving cash flow.
• Reduced Payment Delays: Eliminates the waiting period associated with traditional payment methods.

2. Enhanced Security:

• Data Encryption: Secure payment channels reduce the risk of fraud.
• Compliance: Ensures compliance with financial regulations, protecting both the merchant and the customer.

3. Improved Customer Experience:

• Convenience: Offers customers a quick and convenient payment method.
• Instant Confirmation: Customers receive immediate payment confirmation, enhancing their experience.

4. Financial Management:

• Automatic Reconciliation: Payments are automatically reconciled in QuickBooks, reducing manual effort and errors.
• Real-Time Cash Flow: Provides up-to-date cash flow information, aiding in better financial planning and management.

5. Versatility:

• Multiple Invoicing Methods: Supports both digital and paper invoicing, providing flexibility to merchants to cater to different customer preferences.
• Seamless Integration: Easily integrates with existing systems and QuickBooks for a streamlined payment process.

6. Cost Savings:

• Lower Transaction Fees: Potentially lower fees compared to credit card transactions.
• Reduced Administrative Costs: Automation reduces the time and cost associated with manual payment processing.

7. Competitive Advantage:

• Modern Payment Options: Offering real-time payments can attract tech-savvy customers and set the business apart from competitors.
• Enhanced Merchant Reputation: Providing cutting-edge payment solutions can enhance the merchant’s reputation and customer trust.

Example Implementation

1. Enroll in FedNow Service:
   • Merchant signs up on SecureQBPlugin.com and completes FedNow enrollment.
2. Integrate Digital Invoicing:
   • Use SecureQBPlugin.com’s API to integrate with QuickBooks Online or QuickBooks Enterprise.
   • Add FedNow as a payment option on digital invoices.
3. Configure Paper Invoicing:
   • Print payment instructions, including a URL or QR code for real-time payment, on paper invoices.
4. Enable Real-Time Payments:
   • Customers can pay using the digital invoice link or by visiting/scanning the URL/QR code on paper invoices.
   • SecureQBPlugin.com processes the payments through FedNow.
5. Monitor and Reconcile Payments:
   • Use SecureQBPlugin.com dashboard for real-time notifications and payment tracking.
   • Automatically reconcile payments in QuickBooks.
6. Ensure Security:
   • Implement data encryption for all transactions.
   • Ensure compliance with financial regulations.
7. Support and Communication:
   • Provide detailed instructions and support for customers.
   • Set up automated notifications for payment confirmations.

By integrating Real-Time Bill Payments with digital and paper invoicing through SecureQBPlugin.com, merchants can enjoy numerous benefits, including improved cash flow, enhanced security, and better customer satisfaction.

Why wait days to get paid or rely on outdated invoicing systems?

With TodayPayments.com, you can schedule and batch Request for Payment (RfP™) links that land in your customer’s inbox or phone—and collect Good Funds instantly via FedNow® and RTP®.

✅ Hosted payment pages
✅ Batch uploads via ISO 20022
✅ QuickBooks® QBO integration
✅ Instant settlement, no chargebacks
✅ Secure, branded, and mobile-first

👉 Visit TodayPayments.com to launch your Real-Time Batch Billing & Payments system today.
Upload. Deliver. Get Paid. Instantly.