
Real-Time Solution
Send and Receive Real-Time Payments with RTP® and FedNow®
Today’s business world moves in real time—and
your payments should too. Whether you’re a high-risk merchant, a
multi-entity enterprise, or a solo operator looking for speed,
accessibility is everything.
Real-Time Solutions empowers you to
send and receive instant payments via RTP® (Real-Time
Payments) and FedNow®, with full support for ACH and
credit cards. No bank visits, no credit checks, and no waiting. Just
real-time movement of money, coast to coast, across every rail.
Real-Time Solutions provides a single,
powerful platform that lets you process instant transactions—24/7,
365 days a year. Our platform integrates seamlessly with
FedNow® and RTP®, delivering instant A2A, B2B, B2C, and C2B
transactions with real-time visibility, security, and control.
Whether you’re issuing payroll, billing a
customer, or paying a supplier, Real-Time Solutions makes every
payment accessible, verifiable, and immediately settled.
Key Features:
- ✅ Real-time settlement with
FedNow® and RTP®
- ✅ Quick onboarding—less
paperwork, no bank visit
- ✅ Multi-bank compatibility
across all 50 states
- ✅ Alias-based merchant IDs
(email and phone)
- ✅ Built-in hosted payment
page with ISO 20022 RfPs
Why Businesses Choose Real-Time
Solutions for Instant Payments
Access for All
- High-risk, credit-challenged, and
underserved businesses welcome
- Onboard instantly with multiple banks or
credit unions
- No setup fees, no delay—just real-time
access to real-time rails
Speed & Control
- Settle payments in seconds—not days
- Process one-time or recurring payments
- Get real-time confirmation and tracking
from payer to payee
Finance-Ready Tools
-
Fully integrated with QuickBooks® Online
- Real-time reconciliation for your
accountant or CFO
- Hosted payment pages embedded in every
ISO 20022-compliant RfP
Omnichannel Compatibility
- Accept payments via POS, mobile, web,
text, or email
- Use alias-based MIDs for 100+ email or
phone identities
- Full dashboard visibility with audit
trails and alerts
Embedded Long-Tail SEO Keywords
- real-time payments for businesses using
RTP® and FedNow®
- FedNow® payment gateway for high-risk
merchants
- send and receive instant payments with
ISO 20022 hosted pages
- ACH alternative for small businesses and
enterprise CFOs
- instant A2A payment platform with
multi-bank compatibility
- QuickBooks® integration with FedNow® and
RTP® transactions
- real-time reconciliation and hosted RfP
system
Implementing a real-time solution using FedNow and RTP (Real-Time Payments) from Biller/Payee to Payers through Request for Payment (RfP) digital invoices involves several steps to ensure seamless integration and efficient operation. Below is a detailed guide on how to achieve this with QuickBooks Enterprise.
Key Components
- Integration with QuickBooks
Enterprise:
- Utilize tools like SecureQBPlugin.com to integrate RfP functionalities with QuickBooks Enterprise.
- Ensure synchronization of payment requests and receipts within the accounting system.
- Real-Time Payment Networks:
- Leverage RTP by The Clearing House and FedNow services for instant payment processing.
- Ensure your payment networks support real-time transaction capabilities.
- Payment Processors:
- Employ payment processors such as TodayPayments.com and Real-TimePayments.com to handle transactions.
- Confirm that these processors integrate smoothly with RfP and QuickBooks Enterprise.
- Digital Invoicing:
- Create digital invoices embedded with RfP links to facilitate easy payments by customers.
- Automate invoice generation and distribution to streamline the billing process.
- Security and Compliance:
- Implement secure payment gateways to safeguard financial information.
- Ensure compliance with financial regulations and industry standards.
Benefits
- Immediate Payment Confirmation:
- Receive instant payment confirmations, enhancing cash flow and minimizing the risk of late payments.
- Real-time updates in QuickBooks Enterprise ensure accurate financial records.
- Enhanced Customer Experience:
- Simplify the payment process for customers, reducing friction and improving the overall experience.
- Offer multiple payment channels, including bank dashboards and biller payment pages.
- Improved Cash Flow Management:
- Facilitate better cash flow management through timely payments.
- Reduce the need for follow-ups on outstanding invoices.
- Incentive Programs:
- Introduce Real-Time Discounts, Loyalty Points, Bonuses, and Cash-back features to encourage timely payments.
- Use these incentives to build customer loyalty and drive repeat business.
Implementation Steps
- Select Integration Partner:
- Partner with a reliable integration provider like SecureQBPlugin.com for QuickBooks Enterprise integration.
- Ensure the integration supports RTP and FedNow services.
- Configure QuickBooks
Enterprise:
- Set up QuickBooks Enterprise to accommodate RfP functionalities.
- Ensure all necessary configurations are in place.
- Implement Payment Processors:
- Integrate payment processors like TodayPayments.com or Real-TimePayments.com with QuickBooks Enterprise.
- Ensure these processors handle RTP and FedNow payments effectively.
- Develop Digital Invoices:
- Customize invoice templates to include RfP links.
- Automate the invoicing process to ensure efficiency and consistency.
- Ensure Security and Compliance:
- Use secure payment gateways to protect sensitive financial information.
- Maintain compliance with all relevant financial regulations and standards.
- Train Staff and Educate
Customers:
- Provide training to staff on the new system and how to handle real-time payments.
- Educate customers about the benefits and process of using RfP for instant payments.
- Monitor and Optimize:
- Continuously monitor the system for performance and potential issues.
- Optimize processes based on feedback and performance metrics.
Detailed Integration Steps
- Integration Setup:
- Work with SecureQBPlugin.com to establish the integration with QuickBooks Enterprise.
- Ensure that the integration supports real-time payments through RTP and FedNow.
- Payment Processor Integration:
- Implement and configure payment processors that are compatible with RfP and real-time payment networks.
- Test the integration to ensure smooth and efficient transaction processing.
- Digital Invoice Configuration:
- Design digital invoices that include RfP links for easy customer payments.
- Automate the generation and distribution of these invoices.
- Security Implementation:
- Utilize secure gateways to handle payments and protect customer data.
- Ensure all security measures comply with industry standards.
- System Testing:
- Conduct thorough testing to ensure the system works seamlessly.
- Test various scenarios to identify and resolve any potential issues.
- Launch and Continuous
Monitoring:
- Go live with the integrated system.
- Regularly monitor transactions and system performance to ensure smooth operation.
Example Workflow
- Invoice Generation:
- A digital invoice is generated in QuickBooks Enterprise with an embedded RfP link.
- Invoice Delivery:
- The invoice is automatically sent to the payer via email or another digital channel.
- Payment Request:
- The payer clicks the RfP link and initiates the payment through their bank’s RTP or FedNow service.
- Real-Time Payment Processing:
- The payment is processed in real-time, and confirmation is sent to the biller/payee.
- Automatic Reconciliation:
- The payment is automatically recorded and reconciled in QuickBooks Enterprise.
Why wait days when you can move money in
seconds?
Real-Time Solutions gives your
business the power to process payments instantly—with FedNow®,
RTP®, ACH, and credit card rails—all backed by alias-based
security, 50-state banking coverage, and real-time integration
your CFO will love.
✅ Instant onboarding—no bank
visit
✅ 24/7 payment processing and payout
tracking
✅ Support for high-risk and
credit-challenged merchants
✅ ISO 20022 RfP
integration with hosted payment links
✅ Zero
sign-up fees. Multiple MIDs. Unlimited Wow.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000 ~ FedNow, $10,000,000 ~ RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs.
several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient
and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured
Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All
parties to a instant payment transaction receive immediately
text & email messaging.
The
FedNow and RTP Systems enables Participants to initiate credit transfers,
receive final and irrevocable settlement for credit transfers,
and make available to Receivers funds associated with such
credit transfers in real-time, twenty-four (24) hours a day,
seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit
Push" instead of "Debit Pull."
Creation Request for Payment Bank File
Call us, the .csv and or .xml FedNow or 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) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a 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 continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
... 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.

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 .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting files 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% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Solution 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Real-time Payments processing