How FedNow® & RTP® Provide Certainty of Good Funds for High-Risk Businesses

What Are FedNow® & RTP® and How Do They Benefit High-Risk Merchants?

Today Payments is an Authorized Developer of Intuit offering a highly robust app that supports both QuickBooks’ desktop and online customers, provide merchants with the tools they need so they can focus more time on their customers and businesses, and less time on data entry.

FedNow® & RTP® for High-Risk US Small Business Merchants – Certainty of Good Funds with QuickBooks® QBO Integration

The Payment Challenges Facing High-Risk US Small Business Merchants

For high-risk small businesses, securing fast, reliable, and dispute-free payments is an ongoing struggle. Traditional payment methods—credit cards, ACH transfers, and wire transfers—come with costly fees, delays, and financial risks, making it difficult for businesses to maintain a healthy cash flow.

���� ACH transfers take 1-3 business days, delaying fund availability.
���� Credit card payments come with 3-5% processing fees and chargeback risks.
���� Wire transfers are expensive and subject to banking hours and cut-offs.
���� Many payment processors reject high-risk merchants or impose extra fees.

Now, with FedNow® & RTP® (Real-Time Payments), high-risk merchants can accept instant, secure transactions with certainty of good funds—eliminating chargebacks, reducing costs, and ensuring immediate payment reconciliation in QuickBooks® QBO via SecureQBPlugin™.

���� Imagine running a business where every transaction is secure, irreversible, and instantly deposited into your account!

TodayPayments.com shows how FedNow® & RTP® empower high-risk US small businesses with real-time invoicing and instant payments, fully integrated with QuickBooks® QBO.


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the features

QuickBooks® ACH, Cards, FedNow and Real-Time Payments

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QuickBooks Online 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.

Ask about our special: Using "FedNow High-Risk" Request for Payments in QBO QuickBooks

FedNow® and RTP® (Real-Time Payments) are digital payment networks that allow businesses to send and receive A2A (Account-to-Account) transactions instantly, 24/7/365. Unlike credit cards, these payments are final and cannot be reversed, ensuring certainty of good funds for businesses that frequently deal with chargebacks and transaction disputes.

How FedNow® & RTP® Transactions Work for High-Risk Business Payments

1️⃣ The business generates an invoice in QuickBooks® Online (QBO).
2️⃣ The customer receives a secure payment request via FedNow® or RTP®.
3️⃣ The customer approves the transaction, triggering an instant fund transfer.
4️⃣ Funds are deposited into the merchant’s bank account in real time.
5️⃣ The transaction is automatically reconciled in QuickBooks® QBO via SecureQBPlugin™, eliminating manual processing.

���� This seamless payment solution eliminates chargeback risks, speeds up cash flow, and provides merchants with confidence that all payments are secured and final.

Ask Us:

How high-risk businesses can accept instant payments with FedNow® & RTP® in QuickBooks® Online.
Certainty of good funds for high-risk merchants using real-time payments with FedNow® & RTP®.
Eliminate chargebacks and fraud risks with instant A2A payments for high-risk businesses.
SecureQBPlugin™ for QuickBooks® integration with real-time FedNow® & RTP® payments.

Why High-Risk US Small Businesses Should Use FedNow® & RTP® for Payments

1. No More Chargebacks – Secure & Final Transactions

���� Unlike credit card payments, FedNow® & RTP® transactions are irreversible.
✅ This eliminates fraudulent chargebacks and protects business revenue.

2. Instant Fund Availability – No More ACH or Wire Transfer Delays

���� ACH transfers take days to settle, while wire transfers can be expensive.
���� With FedNow® & RTP®, businesses get paid instantly—24/7.

3. Lower Transaction Costs – No More High Credit Card Fees

���� Credit card processors charge up to 5% per transaction.
���� FedNow® & RTP® transactions are direct A2A payments with low or no fees.

4. 24/7/365 Payment Processing – No Banking Restrictions

⏰ Unlike ACH or wire transfers, which only process on business days, FedNow® & RTP® allow payments anytime—even weekends and holidays.

5. Integrated with QuickBooks® Online (QBO) for Automated Reconciliation

✅ SecureQBPlugin™ seamlessly connects FedNow® & RTP® payments with QuickBooks® QBO.
✅ No manual tracking—payments are automatically reconciled, saving businesses time and effort.

How FedNow® & RTP® Compare to Traditional Payment Methods

Comparison Table: FedNow® & RTP® vs. Credit Cards & ACH Transfers

Feature

FedNow® & RTP® (Instant A2A Payments)

Credit Cards

ACH Transfers

Processing Speed

Instant (Seconds)

1-3 Business Days

1-3 Business Days

Chargebacks Allowed?

No

Yes

Possible Reversals

Transaction Fees

Low or None

3-5%

Varies by Bank

Availability

24/7/365

24/7, but slow settlement

Business Days Only

Integration with QuickBooks® QBO

Yes (via SecureQBPlugin™)

Yes

Yes

 

���� Key Takeaway: FedNow® & RTP® offer a secure, cost-effective, and chargeback-free alternative to traditional payment processing for high-risk businesses.

How to Get Started with FedNow® & RTP® for High-Risk Businesses Using QuickBooks® QBO

Step-by-Step Guide to Enabling Instant Payments:

✅ Step 1: Ensure Your Business Bank Supports FedNow® & RTP®.
✅ Step 2: Download & Install SecureQBPlugin™.
✅ Step 3: Connect Your Bank Account & Enable Instant Payments.
✅ Step 4: Activate FedNow® & RTP® for QuickBooks® Online Invoices.
✅ Step 5: Start Sending & Receiving Real-Time Payments—24/7/365!

���� Once integrated, high-risk businesses can eliminate chargeback risks, lower costs, and receive payments instantly while maintaining full financial control.

Get Paid Faster & More Securely with FedNow® & RTP® via TodayPayments.com

���� Are you still dealing with chargebacks, high transaction fees, and slow payment processing? It’s time to switch to FedNow® & RTP® and take control of your business payments!

High-Risk Businesses (CBD, Vape, Adult, Gaming, Subscription Services): Stop chargeback fraud and payment rejections.
E-Commerce & Online Stores: Accept instant bank payments with lower fees.
Freelancers & Consultants: Get paid in seconds—no delays.
Small Business Owners: Ensure certainty of good funds with real-time A2A payments.

���� With SecureQBPlugin™ and TodayPayments.com, integrating real-time payments with QuickBooks® Online has never been easier.

���� Sign up at TodayPayments.com today and start accepting instant, secure transactions!

Request for Payment

Creation Request for Payment Bank File

Enhance Your FedNow High-Risk using QuickBooks QBO, Payment Requests with FedNow’s ISO 20022 Messaging

Streamline Payments with Advanced Request for Payment Options:

Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.

Flexible Invoice Details with ISO 20022 Messaging:

Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website or TodayPayments.com/HostedPaymentPage.html through our seamless integration solution.

Customizable Merchant Pages for Enhanced Customer Experience:

Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.

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.

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