Send Secure Invoices from QBO with Alias-Based RfP Technology

Request for Payment TodayPayments.com makes it easy to request bill payments instantly via FedNow® and RTP®, fully integrated into QuickBooks® Online (QBO). Our platform allows merchants to send alias-based digital invoices by SMS, email, or QR code, automate collections with real-time A2A transactions, and reconcile instantly using ISO 20022 standards—all from within QBO.

Traditional billing slows down businesses. Waiting days for ACH or chasing card failures disrupts cash flow and increases manual effort. But now, with Request for Payments (RfP™) integrated into QBO QuickBooks®, you can request bill payments instantly using FedNow® and RTP® real-time payment rails.

Send mobile-first invoices by email, SMS, or QR code. Let customers choose how and when to pay. And best of all—receive good funds in seconds, directly into your bank account, with no account numbers required.

Using alias-based identifiers like email or mobile number, merchants can send secure RfPs from QuickBooks® that:

  • Redirect customers to a hosted payments page
  • Support FedNow® or RTP® rails for instant real-time settlement
  • Offer flexible options—ACH, debit card, BNPL, or real-time A2A
  • Use alias instead of routing/account numbers for higher payer confidence

This integration streamlines invoicing for eCommerce, subscription services, service providers, utilities, and professional billing.


QuickBooks Pro 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.

Recurring Autopay & Batch Uploads with ISO 20022 Messaging

Enable recurring billing with standing payer approval:

  • One-time payer authorization means no repeated confirmations
  • RfPs are generated and processed automatically based on invoice settings in QBO
  • Batching support for large client lists using Excel, XML, JSON upload formats
  • Fully compliant with ISO 20022 standards for B2B and C2B payments

Whether you're sending a single invoice or thousands, TodayPayments.com handles it in real time.


Request for Payments Parameters, Attributes, Benefits and Features

Attribute

Description

Platform Integration

QuickBooks® Online (QBO)

Payment Rails

FedNow®, RTP® (real-time A2A debit)

Invoice Delivery

SMS, Email, QR Code, Hosted Payment Page

Payer Identification

Alias (Email or Mobile Number)

Authorization Model

Standing Approval for Recurring Autopay

Settlement Type

Instant, Irrevocable, Good Funds

Batch Support

Yes – ISO 20022 uploads via XML, CSV, JSON

Security Model

ISO 20022-compliant messaging with encrypted alias handling

Recurring Billing

Fixed or variable payments with autopay scheduling

Industries Served

SaaS, Healthcare, Insurance, Utilities, Education, Memberships, Freelancers


Mandatory ISO 20022 RfP™ Data Fields (Minimum Required)

To ensure real-time compliance and processing, each Request for Payment must include these minimum ISO 20022 data fields:

Field

Description

MsgId

Unique RfP message ID

CreDtTm

Timestamp of RfP creation

EndToEndId

Transaction/Invoice reference (visible to customer)

InstdAmt/Ccy

Amount requested and currency code

Dbtr/Nm

Payer name or alias

Cdtr/Nm

Merchant/payee name

DbtrAcct/Id

Payer alias (email/phone), not bank account

CdtrAcct/Id

Payee account or alias

ReqdExctnDt

Payment due date

RmtInf/Ustrd

Unstructured remittance info (invoice ID, memo, or note)

These fields ensure fast, accurate reconciliation and regulatory compliance across RTP® and FedNow® participants.


Ask us How:

  • Easily request bill payments instantly using FedNow® and RTP® rails integrated through QuickBooks® Online, and receive good funds in seconds.
  • Use Request for Payment (RfP™) invoicing in QBO to send real-time digital bills by email, mobile text, or QR code—no bank account numbers needed.
  • Enable standing authorization so customers can automate recurring payments via FedNow® or RTP®.
  • Batch send RfPs with ISO 20022-compliant files (.XML, .JSON, .CSV) for efficient payment collection and tracking.
  • Accept payments through mobile-first hosted checkout pages, integrated seamlessly with QuickBooks® and your accounting flow.

 

Request Bill Payments in QuickBooks and QuickBooks Online (QBO) represent the latest innovation in digital invoicing, providing payees with a streamlined way to request payments from payers. Here's how Request Bill Payments work within the QuickBooks ecosystem:

  1. Creating Invoices in QuickBooks/QBO:
    • Payees create invoices within QuickBooks or QBO, detailing the products or services provided, along with the amount owed, payment terms, and due date.
  1. Generating Request Bill Payments:
    • Within QuickBooks or QBO, payees have the option to generate Request Bill Payments directly from the invoice. This initiates a payment request to the payer, indicating the amount due and providing instructions on how to complete the payment.
  1. Communication Channels:
    • Payees can send Request Bill Payments to payers via various communication channels, including texting, email, POS systems, or digital platforms. QuickBooks or QBO provides functionality to send payment requests through these channels seamlessly.
  1. Texting and Email:
    • Payees can send Request Bill Payments to payers via text message or email directly from QuickBooks or QBO. These messages include a link or button for payers to view the invoice and initiate the payment process.
  1. Point of Sale (POS):
    • For retail businesses using POS systems integrated with QuickBooks or QBO, payees can generate Request Bill Payments at the point of sale when customers make purchases. This allows for immediate payment requests to be sent to customers.
  1. Digital Platforms:
    • Payees can also utilize digital platforms within QuickBooks or QBO to send Request Bill Payments. This may include online portals or customer portals where customers can log in to view invoices and make payments.
  1. Payment Instructions and Options:
    • Request Bill Payments include clear payment instructions and options, allowing payers to choose their preferred payment method, such as ACH, credit card, or other payment methods supported by QuickBooks or QBO.
  1. Convenience and Accessibility:
    • By leveraging various communication channels and digital platforms, payees make it convenient for payers to receive and respond to payment requests from anywhere, using their preferred method of communication and payment.
  1. Integration with Payment Gateways:
    • Request Bill Payments are seamlessly integrated with payment gateways supported by QuickBooks or QBO, ensuring secure and efficient payment processing.
  1. Tracking and Management:
    • Payees can track and manage Request Bill Payments within QuickBooks or QBO, allowing for efficient monitoring of payment statuses, reminders for overdue payments, and reconciliation with accounting records.

Overall, Request Bill Payments in QuickBooks and QBO offer a modern and efficient solution for payees to request payments from payers, streamlining the invoicing and payment collection process while enhancing the overall customer experience.

Request for Payment

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.

Pricing with our Request For Payment Professionals
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 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.

Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.

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.

Start using our FedNow Real-Time Payments Bank Reconciliation:

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 Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds


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