Real-Time Credits with RTP® for QBO QuickBooks® Transactions

• ~ 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.

Automate A2A, B2B, and C2B Payments Using ISO 20022 via QuickBooks®

RTP® Parameters, Attributes, Benefits, and Features for QuickBooks® Users

Feature / Attribute	Description
Real-Time Credits via RTP®	Receive immediate, irrevocable good funds from Payers into business accounts
QuickBooks® QBO Integration	Seamless sync of customer invoices, payments, and reconciliation using real-time payment data
ISO 20022 File Support	Upload payment files in .XML, JSON, Excel for A2A, B2B, C2B credit settlement
Batch Upload to Any FI	Push payment files to any RTP®-enabled Bank or Credit Union across the U.S.
Request for Payment (RfP)	Send real-time payment requests via SMS, email, or hosted page with pay-now links
Recurring or One-Time Payments	Automate single or batch-based payment cycles through RTP® and ISO 20022 standardization
Certainty of Funds	Eliminate chargebacks, ACH returns, and non-sufficient funds—get guaranteed real-time funding
Digital Mobile Invoicing	Accept instant payments through mobile and text-driven payment interfaces
Multi-Rail Payment Options	Combine RTP®, FedNow®, ACH, and Cards into a single Hosted Merchant Payment Page
Enhanced Reporting and Audit Trails	ISO 20022 remittance messages enable complete financial transparency and tracking

Automating Real-Time Payments with QuickBooks®, ISO 20022, and RTP®

For QuickBooks® Online (QBO) users, integrating Real-Time Credits over RTP® provides a streamlined solution for accepting A2A, B2B, and C2B payments without delays, disputes, or reversals. By using ISO 20022 messaging, businesses can batch upload invoices and receive instant credit settlements—a major advancement over traditional ACH or card processing.

Businesses can upload payment files in Excel, .XML, or JSON formats and send them to any participating financial institution or credit union. Payments are processed in real-time with good funds certainty, meaning the funds are immediately available for use and fully settled without the risk of return or non-authorization.

In addition, our platform supports Request for Payment (RfP)—allowing merchants to text or email pay-now links that connect to a Hosted Merchant Payment Page. This simplifies the payer’s experience while ensuring immediate payment collection and QuickBooks® reconciliation.

Real-Time Use Cases for QBO + RTP® Integration

1. Healthcare Practices: Patients receive text invoices and pay instantly via Real-Time Credit
2. Wholesale Distributors: Upload batch .XML files to settle vendor payables with instant certainty
3. Service Businesses: Send RfP emails for job completion and receive immediate settlement
4. Subscription-Based Billing: Automate recurring RTP® payments tied directly to QuickBooks® records
5. Legal and Accounting Firms: Accept large B2B payments without card fees or chargeback risk

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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 Credits 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.