Digital Request for Payments Recurring Payments Using Real-Time Payments with FedNow® Debit or RTP® Debit

Real-Time A2A Debit + Scheduled RfP = Reliable, Instant Autopay

Request for Payment To modernize and automate how recurring payments are collected using Scheduled Requests for Payments (RfPs) and real-time FedNow® or RTP® debit rails, empowering businesses with instant, irrevocable deposits and giving payers a frictionless, “set it and forget it” experience.

TodayPayments.com is a premier solution for merchants who need reliable, automated recurring billing. We enable real-time Request for Payments (RfP) using FedNow® Debit and RTP® Debit, ensuring that every transaction results in irrevocable good funds. Our autopay model is perfect for modern businesses who want to eliminate delays, declines, and uncertainty while giving their customers a secure and convenient payment experience.

>Recurring billing is the lifeline of subscription-based and service-driven businesses. But legacy payment systems—ACH, checks, and card-on-file—are outdated, error-prone, and riddled with delays. That’s why merchants are switching to Recurring Payments using Real-Time Payments with FedNow® Debit or RTP® Debit.

With Scheduled RfPs (Request for Payments) and A2A debit transactions, businesses can now automate billing, receive irrevocable good funds, and provide customers with a “set it and forget it” autopay experience—no more manual approvals, failed transactions, or slow settlements.

Here's how the flow works:

  • A standing approval is collected from the payer just once.
  • The merchant sets up a Scheduled RfP using ISO 20022 messaging standards.
  • On the billing date, the RfP is triggered and payment is instantly debited via FedNow® or RTP®.
  • The merchant receives irrevocable good funds, usable immediately.

This model empowers merchants to automate collections while giving consumers peace of mind that payments are always on time.

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.

POS, MOTO, and eCommerce Channels Supported

Whether you’re in retail, online sales, or operate via mail or phone:

  • POS: In-store billing for services, rentals, or memberships
  • MOTO: Remote billing for delivery, repairs, or appointments
  • eCommerce: Subscriptions, SaaS, and recurring digital goods

Your customers can approve once and never think about billing again—while you receive real-time deposits.

Itemized Real-Time Payments Parameters, Attributes, Benefits & Features

Feature

Description

Payment Rails

FedNow® Debit, RTP® Debit

Transaction Type

A2A (Account-to-Account) Real-Time Debit

Trigger Method

Scheduled Request for Payment (RfP™)

Payer Authorization

One-Time Standing Approval

Settlement Time

Instant, Irrevocable, Good Funds

Batch Capability

Yes – Bulk Scheduling of Recurring Payments

Supported Channels

POS, MOTO, eCommerce, Web, SMS, QR Code

Customer Experience

“Set it and forget it” Autopay Billing

Data Standard

ISO 20022 + Alias Support (Email, Phone)

Use Cases

Insurance, SaaS, Utilities, Memberships, Healthcare, Rentals

Ask us How:

  • Enable Recurring Payments using FedNow® Debit or RTP® Debit to collect irrevocable good funds instantly from payers via A2A real-time debit.
  • Use Scheduled Request for Payments (RfPs) to automate recurring billing for C2B or B2B customers without needing approval each billing cycle.
  • Replace legacy ACH and card-on-file systems with modern RfP-based real-time payments backed by standing authorization.
  • Batch-schedule real-time debits using ISO 20022-compliant RfPs for POS, MOTO, and eCommerce billing scenarios.
  • Deliver a seamless “set it and forget it” billing experience to customers and receive deposits with real-time certainty.
  • Accept recurring payments through mobile, hosted checkout pages, or QR codes—powered by FedNow® and RTP® debit rails.
 

When utilizing QuickBooks Online (QBO) for presenting recurring invoices through Digital Request for Payments (RfPs) and integrating with SecureQBPlugin.com, several essential elements need to be considered to ensure seamless integration and efficient invoicing. Here's how the process might unfold:

1.     Integration Setup: Initially, integration between QBO and SecureQBPlugin.com needs to be established. This involves providing authentication credentials, such as API keys or OAuth tokens, to allow SecureQBPlugin.com to securely communicate with QBO.

2.     Recurring Invoice Generation: SecureQBPlugin.com generates recurring invoices based on predefined templates or rules within QBO. These invoices are created automatically according to the specified recurrence schedule and billing details.

3.     Invoice Header: Each recurring invoice includes an invoice header containing essential information such as the invoice number, issue date, due date, and payment terms. This header ensures clarity and consistency across all invoices.

4.     Payer and Payee Details: SecureQBPlugin.com retrieves payer and payee details from QBO and populates them into the recurring invoices. This includes names, addresses, contact information, and any relevant identification or account numbers.

5.     Itemized Charges: Recurring invoices itemize all goods or services provided, including descriptions, quantities, unit prices, and total amounts for each line item. This breakdown helps the payer understand the invoice components and verify billing accuracy.

6.     Total Amount Due: The total amount due for each recurring invoice is calculated and clearly indicated. This includes any applicable taxes, fees, or discounts, ensuring transparency in the payment obligation.

7.     Payment Instructions: SecureQBPlugin.com provides clear instructions on how the payer can make the payment within QBO. This includes accepted payment methods, payment deadlines, and any required payment references or codes.

8.     Recurring Payment Schedule: Recurring invoices outline the payment schedule, including the frequency, start date, end date (if applicable), and the total number of recurring payments. This information helps the payer anticipate future payments and plan accordingly.

9.     Authorization: Language indicating that the payer authorizes the payee to initiate recurring payments is included in each invoice. This authorization is captured securely within QBO, outlining the terms and conditions of the recurring payment arrangement.

10.  Terms and Conditions: Comprehensive terms and conditions governing the recurring payment arrangement are provided within each invoice. This includes cancellation policies, late payment penalties, dispute resolution procedures, and other relevant terms.

11.  Compliance and Security: SecureQBPlugin.com ensures compliance with relevant legal and regulatory requirements, including data privacy laws and financial regulations. Robust security measures are implemented to protect sensitive financial information.

12.  Error Handling and Support: Mechanisms for error handling and customer support are in place to address any issues that may arise during the payment process. Payees can reach out to SecureQBPlugin.com or QBO for assistance with billing inquiries or payment discrepancies.

By incorporating these elements into the integration between QBO and SecureQBPlugin.com for presenting recurring invoices through Digital Requests for Payments (RfPs), businesses can streamline invoicing processes, improve payment accuracy, and enhance the overall invoicing experience for both payers and payees.

Get Real-Time Billing Certainty with TodayPayments.com

Stop relying on yesterday’s billing systems. With TodayPayments.com, you can automate Recurring Payments using Real-Time Payments with FedNow® Debit or RTP® Debit—ensuring instant, irrevocable, and predictable revenue flow.

Your customers love the convenience of one-time authorization. You’ll love the security and immediacy of good funds in your account every billing cycle—without chasing late payers or fearing chargebacks.

Join https://www.TodayPayments.com today to transform your recurring billing into a real-time, frictionless payment engine. Autopay just got smarter—with FedNow® and RTP®.

 
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. 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 RecurringPayments 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.

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