Real-Time Invoice Powered by FedNow® and RTP® | Good Funds, Instantly

Key Real-Time Invoice Parameters, Benefits & Features

1. Real-Time A2A Payments with Instant Settlement

FedNow® and RTP® process A2A payments in seconds—delivering irrevocable good funds 24/7, including weekends and holidays.

"Real-Time Invoices ensure businesses get paid instantly—eliminating float, reversals, and payment uncertainty."

2. Request for Payment (RfP) Technology

Merchants can send Request for Payment (RfP) links embedded in:

• Emails
• Text messages
• Mobile apps
• Digital invoices

Recipients can pay immediately through a secure, hosted page.

"Each Real-Time Invoice includes an RfP link that allows customers to pay securely with one tap—delivering good funds to your business in real time."

3. ISO 20022 Messaging Compliance

Real-Time Invoices use ISO 20022-compliant rich data messaging to include:

• Invoice numbers
• Customer IDs
• Payment due dates
• Discount terms
• Reason codes

"ISO 20022 enables clean data for automated matching, reconciliation, and reporting—making Real-Time Invoices auditable and efficient."

4. Batch Uploads for Recurring or Multi-Invoice Payments

Send one or hundreds of Real-Time Invoices at once using:

• .xlsx (Excel)
• .xml (structured ISO 20022)
• .json (API and web integration)

"Upload Real-Time Invoice batches to request payments across thousands of customers in one step—perfect for recurring billing or AR sweeps."

5. Compatibility with A2A, B2B, and C2B Payment Flows

Real-Time Invoices can be used for:

• Business-to-business (B2B) transactions
• Consumer-to-business (C2B) payments
• Internal A2A settlements

"From vendor billing to customer subscriptions, Real-Time Invoices deliver instant cash flow and payment traceability."

6. Multichannel Payment Access: SMS, Email, POS, Ecommerce

Allow customers to pay Real-Time Invoices using any channel:

• SMS payment links
• POS terminal invoicing
• Ecommerce checkouts
• Mobile invoice push notifications

"Real-Time Invoices work across all environments—whether in-person, online, or by text—so you get paid faster from any customer."

7. Hosted Payment Pages – No Code Required

Each RfP invoice includes a fully hosted, branded payment page with bank-grade security and mobile optimization.

"Launch Real-Time Invoicing without building a gateway—TodayPayments.com provides hosted pages for every RfP with full customization."

8. Automatic Reconciliation & Ledger Updates

Once a Real-Time Invoice is paid, the system:

• Confirms settlement
• Matches payment to the correct invoice
• Updates accounting software or ERP
• Logs ISO 20022 data for audit readiness

"Real-Time Invoice payments reconcile automatically, so you can focus on growth—not chasing collections."

Itemized Real-Time Invoice Benefits

• Instant good funds via RTP® and FedNow®
• RfP invoice links for mobile, SMS, email, and web
• No waiting on ACH or card batch windows
• Use Excel, XML, or JSON to upload invoice batches
• ISO 20022-rich metadata for structured remittance
• Secure, hosted payment pages with no code required
• AR ledger and invoice reconciliation in real time
• Supported across all U.S. banks and credit unions

Ask Us How:

• "Real-Time Invoice tools powered by RTP® and FedNow® allow businesses to send and settle digital invoices in seconds using secure A2A payment rails."
• "Each Real-Time Invoice uses ISO 20022 messaging to include invoice ID, payer details, payment reason, and structured remittance metadata."
• "Upload Real-Time Invoices via Excel, XML, or JSON to issue digital requests for payment across hundreds of customers instantly."
• "Use hosted RfP links to collect payment from mobile, text, or email channels and receive certified good funds within seconds."
• "Reduce AR aging and eliminate card fees by switching to Real-Time Invoice payments through TodayPayments.com."

Digital Real-Time Invoices, facilitated through platforms like FedNow and RTP, provide significant benefits to billers (payees) by ensuring payment certainty and offering multiple convenient payment options. Here's how this system works and its benefits:

Digital Real-Time Invoice Benefits

1. Payment Certainty:
   • Immediate Payment Confirmation: Real-time payments provide instant confirmation when a payment is made, reducing the uncertainty associated with traditional payment methods.
   • Guaranteed Funds: Unlike checks that can bounce, real-time payments ensure that the funds are available immediately upon transaction completion.
2. Convenience and Accessibility:
   • Bank Dashboard: Billers can access real-time payment statuses and transaction details through their bank's dashboard, enabling easy tracking and management.
   • Payee’s Payment Page: Customers (payers) can make payments directly through a secure payment page provided by the payee, ensuring a seamless and user-friendly payment experience.
3. Enhanced Cash Flow Management:
   • Faster Fund Availability: Immediate access to funds improves cash flow, enabling billers to better manage their finances.
   • Reduced Collection Times: Real-time payments shorten the payment cycle, reducing the time and effort spent on collections.
4. Improved Customer Experience:
   • Ease of Payment: Customers can quickly and easily pay their invoices using real-time payment options, enhancing their overall experience.
   • Multiple Payment Options: Real-time payments can be made via various methods such as bank transfers, digital wallets, or direct account-to-account transfers, providing flexibility to customers.
5. Operational Efficiency:
   • Automated Reconciliation: Payments are automatically reconciled in the biller’s accounting system (like QuickBooks) in real-time, reducing manual entry and errors.
   • Streamlined Billing Process: The ability to send digital invoices and receive instant payments simplifies the billing process, saving time and resources.

How It Works

1. Invoice Generation and Sending:
   • Digital Invoice Creation: The biller generates a digital invoice using their accounting software or billing system, which is then sent to the customer via email or a secure payment portal.
   • Request for Payment (RfP): The invoice includes a Request for Payment link, allowing the customer to initiate a real-time payment directly from their bank account.
2. Customer Payment:
   • Payment Initiation: The customer clicks on the RfP link, which directs them to their bank’s dashboard or the payee’s payment page.
   • Real-Time Transaction: The customer authorizes the payment, which is processed in real-time through FedNow or RTP, ensuring immediate fund transfer.
3. Payment Confirmation and Reconciliation:
   • Instant Confirmation: Both the biller and the customer receive instant payment confirmation, providing assurance that the transaction has been completed.
   • Automated Reconciliation: The payment information is automatically updated in the biller’s accounting system, such as QuickBooks, ensuring accurate and timely financial records.

Integration with SecureQBPlugin.com

SecureQBPlugin.com can facilitate this process by integrating QuickBooks with FedNow and RTP, providing additional benefits:

1. Seamless Integration:
   • Automated Invoicing: Digital invoices can be created and sent directly from QuickBooks.
   • Real-Time Payment Processing: Payments are processed and recorded in QuickBooks in real-time, ensuring up-to-date financial information.
2. Enhanced Financial Management:
   • Real-Time Cash Flow Updates: Instant payment updates improve cash flow visibility and management.
   • Reduced Administrative Burden: Automation reduces the need for manual entry and minimizes errors.
3. Security and Compliance:
   • Secure Transactions: Ensures all transactions are secure and compliant with regulatory standards.
   • Data Integrity: Real-time data synchronization maintains the integrity and accuracy of financial records.

By leveraging digital real-time invoicing and integrating with platforms like SecureQBPlugin.com, billers can enjoy the certainty of immediate payments, improved cash flow management, and enhanced operational efficiency. This setup not only benefits the billers but also enhances the overall payment experience for customers, providing a win-win solution for both parties.

Invoicing Doesn’t Have to Be Slow. With Real-Time Invoicing, You Get Paid Instantly.

TodayPayments.com makes it easy to send Real-Time Invoices that convert faster, reconcile automatically, and fund your business instantly. Whether you invoice through email, mobile, or batch uploads, we power your payments with FedNow® and RTP® rails, ISO 20022 messaging, and hosted RfP technology.

- Send digital invoices instantly
- Get paid through secure hosted pages
- Reconcile payments in real time

👉 Start issuing Real-Time Invoices today at https://www.TodayPayments.com – and give your business the payment certainty it deserves.