Real-Time Check Payments Powered by FedNow® and RTP®
Seamless Integration with Banking Portals, Shopping Carts & QuickBooks® QBO
To modernize check payments by combining the usability of traditional checks with the speed, automation, and certainty of FedNow® and RTP®, fully integrated into banking apps, ecommerce systems, and QuickBooks® QBO.TodayPayments.com empowers forward-thinking businesses to implement Real-Time Check functionality—fusing batch automation, texting, digital invoicing, and real-time settlement. By integrating with FedNow®, RTP®, and QuickBooks® QBO, we help banks, merchants, and platforms deliver payment certainty, improve cash flow, and create seamless user experiences.
“Real-Time Check Integration for Banking, Ecommerce & QuickBooks® QBO”
The Digital Evolution of the Check—Instant, Secure & Reconciled
Checks were once the gold standard for payments. Today, they're slow, costly, and risky. But what if checks were reimagined—faster, smarter, and digital? That’s the promise of the Real-Time Check experience.
By leveraging FedNow® and RTP® rails, businesses can now implement real-time check features directly into banking platforms, ecommerce websites, shopping carts, and gateways, offering invoicing, SMS-based approvals, file uploads, and full integration with QuickBooks® QBO.
It’s not just faster—it’s transformational. And it’s available now with TodayPayments.com.
Real-Time Check is a modern digital payment method that emulates the convenience of paper checks with the speed and certainty of real-time digital transfers. Businesses can issue these check-style payments using hosted Request for Payment (RfP™) links, delivered through text, email, or embedded checkout pages, and instantly settle via RTP® or FedNow®.
With ISO 20022 file upload support and built-in QBO integration, this model empowers merchants to manage high-volume payments and reconcile finances in real time.
See
the features
QuickBooks® ACH, Cards, FedNow and Real-Time Payments
- Payment processing for all QuickBooks desktop, Pro, Premier, Enterprise and also QBO QuickBooks Online Our software is designed for simplicity and ease-of-use.
- ~ 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 Check Parameters, Attributes, Benefits & Features
Real-Time Check Integration for Banking, Ecommerce & QuickBooks® QBO
|
Parameter |
Description |
|
Payment Networks |
FedNow®, RTP® |
|
Settlement Speed |
Instant (<10 seconds) |
|
Funds Type |
Irrevocable Good Funds |
|
Transaction Types |
A2A, B2B, C2B (One-Time & Recurring) |
|
Batch Upload Formats |
ISO 20022 (.XML, .JSON, Excel) |
|
Text & SMS Payment Links |
Send RfP™ via mobile channels |
|
Hosted Payment Pages |
Mobile-optimized, PCI-compliant |
|
QuickBooks® QBO Sync |
Real-time ledger reconciliation |
|
Ecommerce & Banking Integration |
Embeddable checkout, API-enabled for platforms |
|
Compliance |
ISO 20022, NACHA, PCI-DSS |
Key Features
1. Instant Real-Time Check Payments with Hosted RfP™ Pages
Customers and clients can receive real-time check-style payment requests via secure hosted pages, enabling instant authorization and funding via RTP® and FedNow®, backed by Good Funds.
2. Texting and Mobile-First Approvals with Real-Time Settlement
Use SMS and mobile-friendly notifications to send Request for Payment (RfP™) links, allowing recipients to authorize check-style payments on their own devices—anytime, anywhere.
3. Batch Upload with ISO 20022 for Scalable Disbursements
Upload check-equivalent payments in bulk using ISO 20022-compliant formats such as .XML, .JSON, or Excel, making it easy to automate payroll, vendor payables, refunds, and commissions.
4. Seamless Integration with Ecommerce and Banking Portals
Embed real-time check payments in shopping carts, online banking portals, and custom checkout flows to streamline both B2C and B2B digital payments.
5. QuickBooks® QBO Integration for Real-Time Accounting
All transactions—whether one-time or recurring—are automatically logged into QuickBooks® QBO, reducing manual work and ensuring real-time visibility into cash flow.
Ask us How:
- Implementing Real-Time Check capabilities using FedNow® and RTP® enables businesses to issue and settle digital check-style payments in seconds—with full accounting automation.
- TodayPayments.com offers mobile-friendly, hosted payment pages for RfP™ approval and ISO 20022 batch processing for bulk uploads, refunds, and disbursements.
- QuickBooks® QBO integration allows instant reconciliation of real-time check payments, simplifying bookkeeping and reducing AR aging.
- Ecommerce websites, banks, and payment gateways can embed real-time check links into invoices, carts, or user dashboards, giving Payers full control over when and how they approve payments.
- Real-Time Check replaces manual checks with digital certainty—immediate settlement, no float, no fraud, no delays.
Why Businesses Choose TodayPayments.com for Real-Time Check Integration
- ✅ Instantly send and settle digital check payments
- ✅ Deliver hosted RfP™ via SMS, email, or QR code
- ✅ Batch upload recurring payments with ISO 20022
- ✅ Embed check workflows into shopping carts and banking dashboards
- ✅ Send Good Funds using FedNow® or RTP®—24/7/365
- ✅ Eliminate check fraud, float, and manual errors
- ✅ Reconcile every transaction with QuickBooks® QBO
- ✅ PCI-compliant, secure hosted payment pages
- ✅ Alias-based MID tracking for multi-location businesses
- ✅ No hardware, no integration delay—get started online
SecureQBPlugin.com allows for both paper and digital processing of "real-time checks" in QBO and Desktop. With SecureQBPlugin.com, you can create and send digital checks to your vendors and suppliers directly from QBO or Desktop. Additionally, you can also print physical checks using pre-printed check stock and have SecureQBPlugin.com automatically record the payment in QBO or Desktop in real-time. This allows you to have flexibility in the way you process payments while maintaining accurate and up-to-date accounting records.
Checks aren't dead—they're just getting smarter.
With TodayPayments.com, you can deliver Real-Time Check payments through FedNow® and RTP®, replacing paper-based delays with instant digital certainty. Whether you're managing invoices, ecommerce payouts, or banking disbursements, we help you:
✅ Send secure real-time payment
requests
✅ Integrate with QuickBooks®
QBO
✅ Support ISO 20022 batch automation
✅ Reach customers via SMS, email, and mobile checkout
✅ Eliminate waiting, fraud, and reconciliation delays
👉 Visit TodayPayments.com now to activate your Real-Time Check experience and modernize how your business moves money—one instant payment at a time.
QuickBooks Online (QBO) is a popular accounting software that offers features for invoicing, expense tracking, and financial reporting. Integrating digital check readers can streamline the process of depositing checks into your bank account by converting them into digital form. Real-time check processing for mobile devices allows for convenient and speedy transactions. Additionally, integrating invoicing capabilities allows for efficient billing and payment collection.
Texting features can be useful for sending reminders or notifications to customers about invoices or payments. File upload creation at your bank enables the easy transfer of documents or data related to transactions. Integrating with e-commerce websites, shopping carts, and payment gateways can automate the recording of sales and expenses, providing a more accurate picture of your financial health.
Overall, combining these tools creates a seamless and efficient financial management system that saves time and reduces manual data entry errors.
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.
Pricing with our Request For Payment Professionals
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 Check 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.
Start using our FedNow Real-Time Payments Bank Reconciliation:
Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds
Give Us A Call
(866) 927-7180