Great for QuickBooks® QBO Users: No-Fees RTP® & FedNow® for Instant Real-Time Payments

Why QuickBooks® QBO Customers & SMBs Are Switching to No-Fee RTP® & FedNow®

Today Payments is an Authorized Developer of Intuit offering a highly robust app that supports both QuickBooks’ desktop and online customers, provide merchants with the tools they need so they can focus more time on their customers and businesses, and less time on data entry.

No-Fee RTP® & FedNow® – The Best Instant Payment Solution for QuickBooks® QBO Users & SMBs

For small, mid-size, and large businesses (SMBs), managing cash flow efficiently while avoiding high transaction fees can be challenging. Traditional credit card processing, ACH transfers, and wire payments come with hidden fees, settlement delays, and PCI compliance requirements. Businesses—especially those with bad credit—often struggle to find cost-effective payment solutions.

Now, with No-Fee RTP® & FedNow®, QuickBooks® QBO users can send and receive instant real-time payments with zero processing surcharges. The payer covers the merchant processing fees, allowing businesses to receive 100% of their invoice payments without deductions.

By integrating Request for Payment (RfP) digital invoicing, businesses can automate invoicing, accept payments instantly, and ensure compliance with state regulations on credit card surcharges. No-Fee RTP® & FedNow® is the future of real-time payments—offering a fast, secure, and cost-free alternative to PCI-regulated cards.


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QuickBooks® ACH, Cards, FedNow and Real-Time Payments

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QuickBooks Online Software QuickBooks Accounting Software Image
  • ~ 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.

How No-Fee RTP® & FedNow® Benefits QuickBooks® QBO Customers & SMBs

No Fees RTP® & FedNow® for Instant Real-Time Payments – Perfect for QuickBooks® QBO Users & SMBs

Why QuickBooks® QBO Customers & SMBs Are Switching to No-Fee RTP® & FedNow®

Businesses using QuickBooks® QBO need a seamless, automated, and cost-effective way to accept payments. No-Fee RTP® & FedNow® offers:

  • Zero merchant processing fees—The payer covers all transaction costs.
  • Instant payments—Faster than Same-Day ACH, wire transfers, or credit card settlements.
  • No PCI compliance requirements—Unlike credit cards, RTP® & FedNow® are direct bank-to-bank transactions.
  • Perfect for SMBs & businesses with bad credit—No credit score restrictions.
  • State regulation compliance—Avoid legal restrictions on surcharges for credit card transactions.

Key Benefits of No-Fee RTP® & FedNow® for QuickBooks® QBO Users & SMBs

✅ Zero Processing Fees – The Payer Covers the Cost

  • Businesses keep 100% of their invoice amount—No deductions.
  • Eliminates 2.5% - 3.5% credit card processing fees, saving businesses thousands per year.
  • Works for SMBs and businesses with bad credit, since transaction fees are not tied to creditworthiness.

✅ Instant Real-Time Payments – No Settlement Delays

  • Unlike Same-Day ACH or wire transfers, RTP® & FedNow® settle instantly.
  • Funds are immediately available, helping businesses improve cash flow.
  • No more waiting for batch processing, bank approvals, or chargebacks.

✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions

  • Businesses can send digital invoices instantly through RfP and get paid in real time.
  • Seamless QuickBooks® QBO integration allows for automated tracking and reconciliation.
  • Reduces manual invoicing, ensuring faster collections and real-time financial reporting.

✅ No PCI Compliance Costs or Security Risks

  • PCI DSS compliance is required for credit card transactions, adding extra costs.
  • With RTP® & FedNow®, businesses can avoid data breaches and fraud risks.
  • No more chargebacks, disputes, or fraudulent credit card transactions.

✅ Works for SMBs & Businesses with Bad Credit

  • Unlike traditional merchant accounts, RTP® & FedNow® do not require credit checks.
  • Even businesses with low or no credit history can accept payments instantly.
  • Removes financial barriers, allowing any business to offer digital payments.

✅ Avoid State Regulations on Payment Surcharges

  • Many states restrict or ban credit card surcharges, limiting how businesses pass fees to customers.
  • With No-Fee RTP® & FedNow®, there are no surcharges, ensuring compliance in states with strict credit card fee laws.

✅ 24/7/365 Payment Availability – No Banking Hour Restrictions

  • Unlike ACH and wire transfers, which depend on banking hours, RTP® & FedNow® operate 24/7.
  • Accept payments anytime, anywhere—including weekends and holidays.

✅ Enhanced Security & Fraud Protection

  • End-to-end encryption and authentication prevent fraud.
  • Unlike credit card payments, RTP® & FedNow® transactions are irreversible, reducing chargebacks.
  • ISO 20022 messaging compliance enhances transaction transparency.

How No-Fee RTP® & FedNow® Benefits QuickBooks® QBO Customers & SMBs

Faster Business-to-Business (B2B) Payments

  • Instantly pay suppliers, vendors, and service providers with real-time settlements.
  • Avoid check processing, ACH delays, and wire transfer fees.

️ Ideal for E-Commerce & Retailers

  • Accept real-time, fee-free payments, increasing profit margins.
  • Faster order fulfillment and instant payment confirmations.

Perfect for Subscription & Recurring Billing

  • Automate recurring payments through Request for Payment (RfP) invoicing.
  • Reduce failed transactions and chargeback risks.

Optimized Payroll & Contractor Payments

  • Pay employees, freelancers, and gig workers instantly via RTP® & FedNow®.
  • Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to No-Fee RTP® & FedNow® with TodayPayments.com

Are you ready to accept instant payments with zero processing fees, seamless QuickBooks® QBO integration, and real-time invoicing? No-Fee RTP® & FedNow® provides:

Zero transaction fees – the payer covers costs
Instant payments with real-time settlements
Automated invoicing with Request for Payment (RfP)
No PCI compliance headaches or credit score restrictions

Start accepting real-time, fee-free payments today! Sign up with TodayPayments.com now.

Request for Payment

Creation Request for Payment Bank File

Enhance Your No Fee FedNow using QuickBooks QBO, Payment Requests with FedNow’s ISO 20022 Messaging

Streamline Payments with Advanced Request for Payment Options:

Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.

Flexible Invoice Details with ISO 20022 Messaging:

Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.

Customizable Merchant Pages for Enhanced Customer Experience:

Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.

Call us, the .csv 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.

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