Real-Time API with Good Funds Gateway for FedNow® and RTP® in QuickBooks® QBO

How the “Good Funds” Workflow Works

1. Merchant Initiation
   Payment request created via API or through a QuickBooks® synced invoice.
2. ISO 20022 Payment File Upload
   Batch or recurring payments prepared in .XML, JSON, or Excel formats.
3. RfP™ Sent to Customer
   Hosted payment page sent via SMS, email, or invoice for real-time authorization.
4. Customer Approves
   Payer receives the FedNow® or RTP® link and authorizes the transaction instantly.
5. Settlement Complete
   Funds settle in seconds, with no risk of return or chargeback.
6. AR Ledger Auto-Sync
   QuickBooks® QBO updates automatically with payment status and remittance data.

Itemized RTP® Real-Time Payment Parameters, Features & Benefits

Real-Time API Parameters

• Supported Rails: FedNow® and RTP®
• Integration: QuickBooks® QBO, JSON API, ISO 20022 file uploads
• Message Formats: XML, Excel, JSON
• Payment Types: A2A, B2B, C2B (One-time or Recurring)
• Trigger Channels: POS, MOTO, ecommerce, mobile apps
• Settlement: Real-time (under 10 seconds)
• Funds Type: Irrevocable Good Funds
• Compliance: ISO 20022, NACHA, FedNow® and RTP® protocols

Real-Time Payment Attributes and Benefits

1. Instant Request for Payment (RfP™) Delivery

Merchants send secure links through API or QuickBooks®—payer receives instantly.

2. Alias-Based MID Assignment

Map transactions to teams, departments, or regions using email or phone-based aliases.

3. Hosted Payment Pages Built-In

Every RfP includes a branded, mobile-optimized page—no dev work required.

4. 24/7/365 Real-Time Settlement

No bank cutoffs. Payments clear anytime, even holidays and weekends.

5. Auto-Reconciliation in QuickBooks® QBO

Invoices, payments, and reporting are updated in real time with no manual entry.

6. ISO 20022 Batch & Recurring Payment Support

Perfect for billing cycles, vendor payments, refunds, or subscription management.

7. Secure, Transparent, Audit-Ready

Track every transaction with metadata, receipts, and settlement confirmations.

Real-Time Payments vs Zelle® and Venmo® – A Business Comparison

Why Businesses Choose TodayPayments.com for Real-Time Payments

1. Real-time Good Funds settlement with no chargebacks
2. API integration for POS, MOTO, ecommerce, and accounting systems
3. Hosted RfP™ pages for mobile and digital invoicing
4. Upload ISO 20022 batch files (.XML, .JSON, Excel)
5. Assign alias-based MIDs for team-level tracking
6. Eliminate AR aging with 24/7 payment certainty
7. Seamless QuickBooks® QBO reconciliation
8. 100% online onboarding—no bank branch required

Integrating SecureQBPlugin.com for real-time payment transactions through an API with QuickBooks Online (QBO) creates a robust framework for businesses looking to enhance their invoicing and payment processing capabilities. This setup can greatly simplify how businesses handle transactions by providing instant processing, improved accuracy, and enhanced cash flow management. Here's how to implement this effectively:

Steps for Implementation Using SecureQBPlugin.com

1. API Integration:
   • Establish a connection between QBO and the SecureQBPlugin.com API to enable real-time payment processing. This API will serve as the bridge facilitating real-time transactions, such as RTP (Real-Time Payments) and FedNow, directly within QuickBooks.
   • Ensure the API is capable of handling payment initiation, status updates, and reconciliation of payments automatically in QBO.
2. Enhancing Invoicing Functionality:
   • Customize the invoicing module in QBO to include real-time payment options. When generating invoices, ensure they are equipped with payment links that allow customers to pay instantly using their preferred real-time payment method.
   • Optimize the user interface to ensure that the payment options are clearly visible and easy to use for enhanced customer experience.
3. Security Measures:
   • Implement high-standard security protocols to safeguard transaction data, especially since real-time payments require sensitive banking information to be processed quickly and securely.
   • Comply with industry standards like PCI DSS for payment security, as well as other relevant financial regulations.
4. Real-Time Data Synchronization:
   • Configure the SecureQBPlugin.com API to sync transaction data with QBO in real-time. This ensures that once a transaction is processed, the corresponding invoice is updated immediately, reflecting the payment status in QBO.
   • Automate the reconciliation process, which can significantly reduce manual labor and minimize errors.
5. Testing and Quality Assurance:
   • Before fully deploying the integration, perform extensive testing to ensure everything from payment processing to data synchronization works seamlessly.
   • Test the system under different scenarios to ensure reliability and robustness, especially under high transaction volumes.
6. Training and Support:
   • Provide training for staff who will be using the system. Ensure they understand how to manage the new invoicing features and deal with real-time transactions.
   • Establish a support line with SecureQBPlugin.com to resolve any issues promptly, ensuring minimal disruption to business operations.
7. Deployment:
   • Once testing is completed and the system is stable, proceed with a full rollout.
   • Monitor the system closely post-deployment to catch and resolve any issues as they arise.

Benefits of Using SecureQBPlugin.com with QBO

• Efficiency and Speed: Real-time processing allows for immediate transaction completion, which can dramatically improve cash flow and customer satisfaction.
• Accuracy and Reduced Errors: Automated data entry and synchronization minimize human error and ensure accuracy in financial records.
• Enhanced Security: Using a secure API connection helps protect sensitive payment information, reducing the risk of fraud.
• Customer Convenience: Offering customers instant payment options directly through invoices enhances the overall payment experience, potentially leading to faster payments and improved business relationships.

By leveraging SecureQBPlugin.com's real-time payment processing capabilities with QuickBooks Online, businesses can achieve a higher level of efficiency and security in their financial transactions, setting a new standard in how they manage their receivables and customer interactions. This integration not only streamlines operations but also enhances the strategic financial management of the company.

Zelle® and Venmo® weren’t built for business. Our Real-Time API was.

At TodayPayments.com, we power the infrastructure that lets you send and receive real-time Good Funds using FedNow® and RTP®, fully integrated with QuickBooks® QBO. Whether you're invoicing, batching, or delivering, we make sure you get paid—instantly, securely, and with zero chargeback risk.

✅ API access for POS, mobile, and ERP
✅ Instant settlement with real-time payment rails
✅ ISO 20022 batch uploads & recurring support
✅ Hosted RfP™ pages—no coding needed
✅ Better than Zelle®, Venmo®, or ACH

👉 Visit TodayPayments.com to activate your Real-Time API and Good Funds Gateway today.
Instant Payments. Instant Books. Real Business Certainty.