Receive Pay + SecureQBPlugin.com: Open Banking Request-for-Pay (RfP™) Payment Orchestration Layer

To equip U.S. businesses with next-generation, alias-based Request for Payment (RfP™) tools that enable real-time, recurring or batch payment collections via FedNow® and RTP®, supported by ISO 20022 file formats, automated reconciliation, and digital delivery across all platforms.

TodayPayments.com is the premier fintech gateway for real-time, alias-driven payments. Our RfP™ platform allows businesses to send recurring or batch payment requests using mobile, email, QR code, or SMS—and receive instant A2A, B2B, or C2B payments via FedNow®, RTP®, ACH, Cards, or BNPL. With robust ISO 20022 support and QuickBooks® integrations, we offer good-funds certainty and 24/7 payment automation, making every transaction secure, instant, and fully reconciled

We empower businesses to accelerate cash flow and gain financial clarity by unifying accounting, Open Banking infrastructure, and real-time payment orchestration into a single intelligent platform.

We position Receive Pay and SecureQBPlugin.com as the Open Banking control center for multi-bank, multi-account enterprises, delivering intelligent Positive Pay, Request-for-Pay automation, and real-time financial visibility across FedNow® and RTP® networks.

A Payer or Payee can use the same EIN, alias, or email address across multiple banks and multiple accounts

• Rails move money, (FedNow®, RTP®).
• The Identity Directory decides where and why, (designed to sit between FedNow® / RTP® / Same-Day ACH / card rails and accounting systems such as QuickBooks® QBO.)
• The Accounting Layer (SecureQBPlugin.com) proves what happened, (QBO QuickBooks®)

The correct platform design is to treat that alias not as a single account pointer, but as a directory-managed payment identity that resolves dynamically through rules, permissions, rail availability, and accounting intent

TodayPayments.com is the payment identity and orchestration layer that connects business aliases, multi-bank settlement accounts, real-time payment rails, and accounting systems into one unified Request-for-Payment ecosystem

ReceivePay.com, a division of Today Payments, Inc., will provide a modern Request-for-Payment (RfP™) infrastructure architecture designed to connect business software, accounting platforms, and developer applications directly to real-time payment networks. This platform architecture enables businesses, fintech developers, and financial institutions to securely originate, route, and settle payments using RTP®, FedNow®, and ACH rails through a unified orchestration layer. The infrastructure is built to simplify real-time payment adoption while maintaining bank-grade security, open banking interoperability, and ISO 20022 messaging standards. By combining open APIs with payment routing intelligence, ReceivePay.com enables organizations to modernize their accounts receivable and payment automation workflows

The architecture begins with Business Applications, such as accounting systems, ERP platforms, invoicing software, and merchant applications that generate invoices and payment requests. These applications connect through the Open Banking API Platform provided by SecureQBPlugin.com, which acts as the secure integration gateway between business software and payment infrastructure. The platform standardizes authentication, data exchange, and transaction messaging using modern open banking protocols and secure API frameworks. This integration layer enables businesses to issue Request-for-Payment messages, automate reconciliation, and synchronize financial records with accounting platforms such as QuickBooks® and other financial systems

Once payment requests enter the ecosystem, transactions are processed through the Payment Orchestration Layer operated by RequestForPayment.com, which manages routing logic, authorization workflows, and payment lifecycle management. The orchestration layer determines the most appropriate payment rail based on transaction attributes, payer preferences, bank connectivity, and settlement speed requirements. Payments are then routed across RTP®, FedNow®, or ACH networks, allowing businesses to receive funds instantly or through accelerated clearing processes. From there, transactions settle through participating financial institutions and banks, completing the payment cycle with secure, irrevocable settlement and real-time confirmation messaging

The same infrastructure also supports a developer-centric architecture designed for fintech innovators and software providers. Developers access the platform through an Open Banking Developer Portal, where they can build applications using sandbox environments, documentation, SDKs, and secure OAuth-based authentication. Through the SecureQBPlugin API Platform, developers gain access to the Payment Routing Engine, which acts as middleware connecting applications directly to RTP®, FedNow®, and ACH payment rails. This architecture transforms the platform into a financial connectivity layer that bridges business software with modern payment networks, enabling developers to embed real-time payment capabilities into accounting platforms, enterprise systems, and financial applications

The objective of this architecture is not to compete directly with banks or payment networks, but rather to provide the infrastructure layer that connects software, businesses, and financial institutions together. ReceivePay.com and its related platforms—including SecureQBPlugin.com and RequestForPayment.com—function as the middleware and orchestration environment that enables real-time payment adoption at scale. By delivering an open banking developer portal, secure API gateway, payment routing intelligence, and direct connectivity to instant payment rails, the platform positions Today Payments, Inc. as a financial technology infrastructure provider. In this model, SecureQBPlugin becomes the operating system for real-time accounting and payments, powering the next generation of business financial connectivity

Intelligent Layers —Powering Real-Time Payments

From Billing to Bank in Seconds—The Rise of Real-Time PaymentsReceive Pay

We operate as a payment orchestration layer connecting accounting systems to bank/payment rails, transforming workflows into an open financial data and payment hub for Request-for-Pay (RfP™) across FedNow® and RTP®. Through AI-assisted digital tools working across structured layers, we ensure every RfP™ is properly constructed, validated, and delivered with precision. We enable batch uploads of ISO 20022 real-time transactions filtered through payment hubs while synchronizing real-time accounting within QBO QuickBooks® Desktop and Online environments.

Traditional invoicing and payment systems are outdated, slow, and costly. Today’s businesses need faster, smarter, and more flexible ways to get paid. That’s where Request for Payment (RfP™) and real-time payment rails like FedNow® and RTP® come in

Now, you can send digital invoices through mobile, email, text, or QR code, and let customers complete payment instantly using their preferred method—all without needing to share routing or account numbers. Whether recurring subscriptions, high-volume batch processing, or one-time invoices, real-time RfP™ brings good funds directly to your account within seconds

Request for Payment (RfP™) is a secure, ISO 20022-based payment request that notifies a payer to authorize and complete a payment to the payee. It replaces static invoices with interactive, alias-based invoicing, where the payer receives the request through:
~ SMS/Text
~ Email
~ Quick Response Code (QR)
~ Mobile or Web Interfaces

Each RfP™ directs the payer to a hosted payment page, where they can pay in real time using FedNow®, RTP®, ACH, Credit Cards, or BNPL