What is RTP® Payment Processing for Self-Employed Professionals?

Seamless, Automate Real-Time Payment Collection via QuickBooks® QBO

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.

Integrating QuickBooks® QBO with RTP® Payment Processing for Self-Employed Professionals

Empowering Freelancers & Small Businesses with Instant RTP® Payments

For self-employed professionals, new business owners, and sole proprietors—especially those with bad credit or limited financial history—accepting payments can be a major challenge. Traditional merchant accounts require lengthy approval processes, credit checks, and high transaction fees, making it difficult for small businesses to manage cash flow efficiently.

By integrating RTP® (Real-Time Payments) processing into QuickBooks® QBO via SecureQBPlugin, self-employed professionals can:

✅ Send invoices and Request-for-Payments (RfP) directly from QuickBooks®
✅ Receive payments instantly through RTP®, ACH, Credit Cards, and FedNow®
✅ Bypass traditional credit checks and underwriting requirements
✅ Automate real-time transaction tracking with A2A credit & debit payments
✅ Improve cash flow with seamless bank reconciliation in QuickBooks® QBO

With TodayPayments and SecureQBPlugin, self-employed professionals, gig workers, and small business owners can accept payments faster, reduce fees, and gain financial independence without needing a traditional merchant account.


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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.

Why Integrate RTP® RfP into QuickBooks® QBO?

RTP® (Real-Time Payments) is a modernized payment system that enables instant transactions 24/7.

By integrating with QuickBooks® QBO using SecureQBPlugin, self-employed professionals can:

✔ Instantly process payments from clients, customers, and vendors
✔ Generate Request-for-Payment (RfP) links in invoices, emails, and texts
✔ Offer multiple payment options, including RTP®, FedNow®, ACH, and Credit Cards
✔ Use ISO 20022 messaging for accurate transaction tracking
✔ Automate bank reconciliation in QuickBooks® QBO

This real-time payment system eliminates waiting periods and allows self-employed individuals to focus on growing their business without financial bottlenecks.

Why Integrate RTP® RfP into QuickBooks® QBO?

RTP® vs. Traditional Payment Processing

Feature

RTP® Payment Processing with QuickBooks® QBO

Traditional Payment Processing

Processing Speed

Instant (24/7/365) payments

ACH: 1-3 days, Credit Cards: 1-5 days

Accepted Payment Methods

RTP®, FedNow®, ACH, Credit Cards

Limited payment flexibility

Approval Process

No credit check required

Lengthy underwriting process

Transaction Fees

Lower, Transparent Pricing

Higher fees & hidden charges

Invoicing & Payment Requests

.html Payment Page, email, and SMS invoicing via QuickBooks®

Requires third-party processors

Bank Reconciliation

Automated within QuickBooks® QBO

Manual tracking required

 

Why Self-Employed Professionals Choose RTP® with QuickBooks® Integration:
✔ Eliminate cash flow delays with instant settlements
✔ Lower transaction fees compared to credit card processing
✔ No merchant account required—instant approval for new businesses

How RTP® Payment Processing Works for B2B, B2C, & C2B Transactions

Effortless Invoicing & Payments for Self-Employed Professionals

With TodayPayments' RTP® integration into QuickBooks® via SecureQBPlugin, businesses can automate payment requests and get paid instantly.

🔹 B2B Transactions: Send professional invoices to corporate clients, vendors, and service providers.
🔹 B2C Transactions: Offer seamless checkout options for customers purchasing services online.
🔹 C2B Transactions: Enable clients to pay for freelance services, subscriptions, and recurring invoices.

How It Works:
✔ Step 1: Send an invoice in QuickBooks® QBO with an embedded .html Payment Page link
✔ Step 2: The customer chooses their preferred payment method (RTP®, FedNow®, ACH, Credit Card)
✔ Step 3: Payment is processed instantly, with confirmation sent automatically
✔ Step 4: Funds are deposited, and QuickBooks® automatically reconciles the transaction

This frictionless process allows self-employed professionals to receive payments faster and eliminate manual invoicing errors.

Security & Compliance with ISO 20022 Messaging

How RTP® RfP Ensures Secure and Fraud-Proof Transactions

Unlike traditional credit card payments or ACH transfers, RTP® transactions are encrypted, verified, and compliant with global financial security standards.

✔ ISO 20022 Messaging – Ensures structured, automated, and traceable transactions
✔ Automated Payment Reconciliation – Reduces manual accounting errors
✔ End-to-End Encryption – Protects against fraud, cyber threats, and unauthorized access
✔ Regulatory Compliance – Meets financial industry anti-fraud and security requirements
✔ Final & Non-Reversible Transactions – Reduces chargeback risks and payment disputes

With TodayPayments, self-employed professionals and small businesses gain access to secure, real-time transactions, reducing financial risk and maximizing efficiency.

Upgrade to RTP® Payment Processing in QuickBooks® via SecureQBPlugin

Self-employed professionals and small business owners no longer need to struggle with slow payments, credit restrictions, and expensive processing fees.

With TodayPayments & SecureQBPlugin, freelancers, gig workers, and small businesses can:
✔ Accept instant RTP® payments via QuickBooks® QBO invoices
✔ Skip credit checks and avoid traditional merchant account restrictions
✔ Automate invoicing and bank reconciliation
✔ Lower transaction costs while improving financial security
✔ Enable fast, real-time payments for B2B, B2C, and C2B transactions

🚀 Take control of your payment processing—integrate RTP® into QuickBooks® today! 🚀

🔗 Start Accepting Payments with SecureQBPlugin

Ask us how:

"How to integrate RTP® payment processing into QuickBooks® QBO"
"Best payment solutions for self-employed professionals with bad credit"
"Automate invoicing and bank reconciliation with RTP® and QuickBooks®"
"How to accept RTP®, FedNow®, ACH, and Credit Card payments using cureQBPlugin"
"Best way for sole proprietors to get paid instantly with QuickBooks® and RTP® RfP"

Request for Payment

Creation Request for Payment Bank File

Enhance Your Self-employed FedNow 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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