Real-Time A2A Transfers Using RTP® and ISO 20022 Integrated with QuickBooks® QBO

• ~ 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.

Batching and Recurring Payments Using ISO 20022 with RTP® & FedNow®

Using batch files in Excel, .XML, or JSON, merchants can automate:

• Recurring payroll
• Monthly subscriptions
• On-demand invoice settlements

Upload these files to any bank or credit union that supports RTP® or FedNow®, and instantly push credits with final settlement and zero chargeback risk.

Each Request for Payment (RfP™) can be sent via:

• Mobile text (SMS)
• Email link
• Secure hosted payments page
• QR Code prompts at POS or on invoices

RTP® Payment Parameters, Attributes, Benefits & Features

Element	Description
Real-Time A2A Transfers	Send money instantly from Payer to Payee bank accounts with no intermediaries or delays
ISO 20022 File Format	Use rich data formats including .XML, JSON, and Excel for structured, standards-compliant messaging
QuickBooks® QBO Integration	Embed RTP® payment functionality directly inside your accounting and receivables interface
Batch Upload Support	Upload one-time or recurring payment files to any supported financial institution
Request for Payment (RfP™)	Trigger payments with mobile, email, or hosted page prompts
Hosted Payment Pages	Enable secure payer-side completion via fully branded checkout pages
Irrevocable Settlement	Real-time payments mean no NSF, reversals, or chargebacks—good funds guaranteed
POS, MOTO, Ecommerce Ready	Works across all payment environments—brick-and-mortar, online, and phone orders
BNPL, ACH & Card Interoperability	Give payers full flexibility while ensuring instant credit for payees

Why Real-Time RTP® Payments Are the Future of Business Settlements

Today’s merchants demand faster, more reliable money movement. By leveraging real-time A2A payments via RTP® with ISO 20022, businesses can:

• Shorten the accounts receivable cycle
• Improve cash flow visibility
• Reduce payment processing fees
• Automate recurring settlement workflows
• Eliminate disputes and chargebacks

All while delivering a better, faster payment experience for your customers and partners.

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Integrating real-time transfer capabilities from a customer/buyer/payer to a merchant/seller/payee through QuickBooks using SecureQBPlugin.com can streamline your payment processes and improve financial management. Here’s a detailed guide on how to set this up and the benefits it offers:

Steps to Integrate Real-Time Transfers using SecureQBPlugin.com:

1. Sign Up and Configure SecureQBPlugin.com:
   • Visit SecureQBPlugin.com and create an account.
   • Configure your account settings to integrate with QuickBooks Online (QBO) or QuickBooks Enterprise.
2. Install the Plugin:
   • Download and install the SecureQBPlugin for your QuickBooks version.
   • Follow the installation guide provided by SecureQBPlugin to ensure proper setup and connectivity with QuickBooks.
3. Enable Real-Time Payments:
   • Navigate to the payment settings in SecureQBPlugin.
   • Enable real-time payment options like FedNow and RTP (Real-Time Payments).
   • Set up your bank account details to facilitate real-time transfers.
4. Configure Payment Requests and Invoices:
   • Set up templates for Request for Payments (RfP) that can be sent to customers.
   • Configure your invoices to include real-time payment options, allowing customers to pay instantly.
5. Training and Support:
   • Train your staff on how to use the SecureQBPlugin interface and manage real-time payments.
   • Utilize customer support from SecureQBPlugin for any setup or technical issues.

Benefits of Real-Time Transfers through SecureQBPlugin.com:

1. Instant Payment Processing:
   • Real-time payments ensure that funds are transferred immediately from the payer to the payee, improving cash flow and operational efficiency.
2. Enhanced Customer Experience:
   • Offering real-time payment options provides customers with a convenient and efficient way to pay, enhancing their overall experience.
3. Improved Cash Flow Management:
   • Immediate access to funds allows businesses to better manage their cash flow, reducing the need for short-term financing.
4. Reduced Transaction Costs:
   • Real-time payments often come with lower processing fees compared to traditional payment methods, reducing overall transaction costs.
5. Automated Reconciliation:
   • Payments made through SecureQBPlugin are automatically recorded and reconciled in QuickBooks, reducing manual data entry and errors.
6. Security and Compliance:
   • Real-time payments through SecureQBPlugin are secure and compliant with financial regulations, providing peace of mind for both merchants and customers.

Example Use Cases:

1. E-commerce Transactions:
   • An online retailer can integrate real-time payment options at checkout, allowing customers to pay instantly and receive immediate confirmation of their orders.
2. Service-Based Businesses:
   • Service providers, such as consultants or contractors, can send real-time invoices and receive instant payments upon completion of their services.
3. Subscription Services:
   • Businesses offering subscription services can set up recurring real-time payments, ensuring timely payments and uninterrupted service for their customers.
4. Utilities and Bill Payments:
   • Utility companies can offer real-time bill payment options, reducing late payments and improving customer satisfaction.

How to Use Real-Time Transfers in QuickBooks with SecureQBPlugin.com:

1. Create an Invoice:
   • In QuickBooks, create an invoice as usual and select the real-time payment option provided by SecureQBPlugin.
2. Send a Payment Request:
   • Use the SecureQBPlugin to send a Request for Payment (RfP) to the customer, including a link for real-time payment.
3. Receive Payment:
   • Once the customer makes the payment, funds are transferred instantly to your account.
   • QuickBooks will automatically update the invoice status to paid and reconcile the transaction.
4. Monitor Transactions:
   • Use the SecureQBPlugin dashboard to monitor all real-time payment transactions and ensure they are correctly recorded in QuickBooks.

By integrating SecureQBPlugin.com with QuickBooks for real-time transfers, businesses can significantly enhance their payment processes, improve cash flow, and provide a better customer experience.

Activate Real-Time Payments for Your Business Now

With TodayPayments.com, you gain more than just payment rails—you get a powerful engine for growth. Send, request, and settle payments instantly using ISO 20022-compliant RTP® and FedNow® technology—all fully integrated with QuickBooks® QBO.

✅ Zero-day cash flow
✅ Hosted RfP™ pages
✅ Batch uploads in Excel, XML, or JSON
✅ Instant, irreversible credits with rich remittance data

Get started today with a real-time payments solution that helps your business move faster, smarter, and with complete certainty—only at https://www.TodayPayments.com

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Call us, the .csv, text messaging 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.

 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory data for completed file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support

2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1.5% percentage on gross dollar file,

3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Transfer system.

Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG

4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.