Real-Time Cash Back with FedNow® and RTP® Integrated into QuickBooks® QBO

• ~ 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.

RTP® & FedNow® Real-Time Payment Parameters, Attributes, Benefits & Features

Core Parameters of Real-Time Cash Back via RTP® & FedNow®

Parameter	Description
Payment Rails	RTP®, FedNow®
Settlement Speed	Instant (typically under 10 seconds)
Funds Type	Irrevocable Good Funds
Transaction Types	A2A, B2B, C2B (One-Time or Recurring)
Batch Upload Support	ISO 20022 (.XML, .JSON, Excel)
RfP™ Delivery Options	Email, SMS, QR Code, Mobile Invoice
Hosted Payment Pages	Branded, Secure, Responsive
QuickBooks® QBO Sync	Real-Time Reconciliation into Ledger
Security	PCI-DSS Compliant, Alias-Based MID Routing
Availability	24/7/365, including holidays and weekends

Real-Time Cash Back Features

1. Instant Real-Time Cash Back Transactions through Hosted RfP™ Pages

Send real-time refunds or rebates to customers via mobile-friendly, secure RfP™ links delivered by SMS, email, or QR code. Funds are deposited directly into the recipient's account—no card or bank delays.

2. Automate Recurring Payouts with ISO 20022 Batch Uploads

Upload .XML, JSON, or Excel files to initiate batch refunds, incentives, or commission payments with full compliance to banking standards.

3. Full Integration with QuickBooks® QBO for Payment Reconciliation

Each Real-Time Cash Back transaction is automatically logged into your QuickBooks® QBO ledger—ensuring accuracy and eliminating manual entry.

4. Works Seamlessly Across POS, MOTO, and Ecommerce Channels

Whether the transaction starts in-store, online, or by phone, merchants can offer real-time refunds and disbursements anytime, from any interface.

5. Alias-Based MID Assignment for Department or Employee-Level Tracking

Track and assign payment origins by department, agent, or branch using customizable alias-based merchant identifiers.

Ask us How:

• Real-Time Cash Back using FedNow® and RTP® provides merchants with the ability to instantly return Good Funds to customers, partners, or affiliates without delays or chargebacks.
• Batch processing with ISO 20022 messaging formats like .XML and JSON allows businesses to automate recurring refunds and payouts while maintaining compliance across financial institutions.
• By integrating Real-Time Cash Back into QuickBooks® QBO, merchants can streamline reconciliation, eliminate AR aging, and maintain audit-ready transaction logs.
• Hosted Request for Payment (RfP™) links are sent by email, SMS, or QR code, guiding recipients to secure, branded payment pages for one-click fund acceptance.
• Whether it's a loyalty rebate, product refund, or gig economy payout, Real-Time Cash Back provides businesses with fast, final, and frictionless disbursement tools.

Why Businesses Choose TodayPayments.com for Real-Time Cash Back

1. ✅ Instantly refund or reward Payers with irrevocable Good Funds
2. ✅ Upload high-volume payout files in ISO 20022 (.XML, .JSON)
3. ✅ Send mobile-optimized RfP™ links via SMS, email, or QR
4. ✅ Settle funds through RTP® or FedNow®—24/7, including holidays
5. ✅ Full QuickBooks® QBO sync for real-time ledger reconciliation
6. ✅ Secure, PCI-compliant hosted payment pages
7. ✅ Alias-based MID for transaction source visibility
8. ✅ POS, ecommerce, and mobile-friendly integrations
9. ✅ No chargebacks, no reversals, no settlement delays
10. ✅ Online onboarding—no hardware, contracts, or coding needed

 

To enable payees to enroll into SecureQBPlugin.com and Real-TimePayments.com and provide real-time cash back into the payer's bank account using FedNow or RTP, follow these steps:

Integration Steps

1. Payee Enrollment in SecureQBPlugin.com and Real-TimePayments.com

1. Register with SecureQBPlugin.com and Real-TimePayments.com:
   • Payees (merchants) need to sign up on both platforms and enroll in their respective services.
   • Complete the necessary registration and KYC (Know Your Customer) processes to set up their accounts.
2. Configure FedNow and RTP Integration:
   • Set up the RTP and FedNow services within SecureQBPlugin.com and Real-TimePayments.com.
   • Link the payee's bank account to enable real-time cash back transactions.

2. Setting Up Real-Time Cash Back for Payers

Digital and Paper Invoicing:

1. Integrate Invoicing Software:
   • Ensure your digital invoicing system (such as QuickBooks Online or QuickBooks Enterprise) is integrated with SecureQBPlugin.com and Real-TimePayments.com.
   • Use the APIs from these platforms to add cash back options to digital invoices.
2. Send Digital and Paper Invoices:
   • Generate and send invoices that include information about the cash back option.
   • For paper invoices, include a URL or QR code that directs customers to a payment page where they can request cash back.
3. Enable Real-Time Cash Back Transactions:
   • Configure the invoicing system to process real-time cash back transactions using FedNow or RTP.
   • Ensure the platform can handle both the initial payment and the subsequent cash back transaction efficiently.

Benefits and Features for Payers and Payees

1. Speed and Efficiency:

• Immediate Fund Availability: Cash back transactions are processed in real-time, ensuring immediate availability of funds in the payer's bank account.
• Reduced Processing Time: Eliminates delays typically associated with traditional refund processes.

2. Enhanced Security:

• Data Encryption: Secure payment channels reduce the risk of fraud and protect sensitive information.
• Compliance: Ensures compliance with financial regulations, protecting both the payee and the payer.

3. Improved Customer Experience:

• Convenience: Offers customers a quick and easy way to receive cash back.
• Instant Confirmation: Customers receive immediate confirmation of cash back transactions, enhancing their experience.

4. Financial Management:

• Automatic Reconciliation: Cash back transactions are automatically reconciled in QuickBooks, reducing manual effort and errors.
• Real-Time Cash Flow Management: Provides up-to-date information on cash flow for both payees and payers, aiding in better financial planning and management.

5. Cost Savings:

• Lower Transaction Fees: Potentially lower fees compared to traditional refund methods.
• Reduced Administrative Costs: Automation reduces the time and cost associated with manual cash back processing and reconciliation.

6. Competitive Advantage:

• Modern Payment Solutions: Offering real-time cash back can attract tech-savvy customers and set the business apart from competitors.
• Enhanced Reputation: Providing cutting-edge payment solutions can enhance the payee’s reputation and customer trust.

Example Implementation

1. Payee Enrollment:
   • Payees sign up on SecureQBPlugin.com and Real-TimePayments.com and complete the necessary registration and KYC processes.
   • Link their bank accounts to their profiles on both platforms.
2. Integrate Digital Invoicing:
   • Use the APIs from SecureQBPlugin.com and Real-TimePayments.com to integrate with QuickBooks Online or QuickBooks Enterprise.
   • Add cash back options to digital invoices.
3. Configure Paper Invoicing:
   • Print cash back instructions, including URLs or QR codes, on paper invoices.
4. Enable Real-Time Cash Back:
   • Customers can request cash back using the digital invoice links or by visiting/scanning the URLs/QR codes on paper invoices.
   • The respective platforms process the cash back transactions through FedNow or RTP.
5. Monitor and Reconcile Payments:
   • Use the dashboards of SecureQBPlugin.com and Real-TimePayments.com for real-time notifications and payment tracking.
   • Automatically reconcile cash back transactions in QuickBooks.
6. Ensure Security:
   • Implement data encryption for all transactions.
   • Ensure compliance with financial regulations.
7. Support and Communication:
   • Provide detailed instructions and support for customers requesting cash back.
   • Set up automated notifications for cash back confirmations.

Conclusion

By enabling payees to enroll in SecureQBPlugin.com and Real-TimePayments.com and provide real-time cash back into the payer's bank account using FedNow or RTP, merchants can offer a seamless and efficient refund process. This integration not only improves customer satisfaction but also enhances security, reduces costs, and provides a competitive advantage. Through platforms like SecureQBPlugin.com and Real-TimePayments.com, merchants can leverage modern payment solutions to streamline their financial operations and offer superior service to their customers.

Cash Back shouldn’t take days. With Real-Time Cash Back from TodayPayments.com, you can return value to your customers instantly.

Whether it's a refund, rebate, or reward, you’ll send Good Funds in under 10 seconds, without chargebacks or delays. It’s easy, secure, and fully integrated into QuickBooks® QBO for seamless financial operations.

✅ Real-Time Payments via FedNow® and RTP®
✅ Hosted RfP™ links with mobile delivery
✅ Batch-ready with ISO 20022 compliance
✅ 24/7/365 settlement and tracking
✅ QuickBooks® QBO ledger sync

TodayPayments.com now to activate Real-Time Cash Back for your business and turn every transaction into an opportunity to build trust and loyalty—at the speed of now.

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Call us, the .csv, text messaging 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.

 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 Real-Time Cash Back 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.