SecureQBPlugin.com: The Open Financial Data & Real-Time Payment Orchestration Hub

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.

✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.

To support merchants and finance teams of all sizes, TodayPayments.com offers free downloadable templates, including:

• Aging Accounts Receivable Worksheet: Pre-built with 15, 30, 60, 90+ day tracking
• Bank Reconciliation Templates: Instantly match payments with deposits across batches
• ISO 20022 File Format Samples: Plug-and-play structures for batch uploads and RfP message testing

Our Services: Real-Time Payment Infrastructure for Payers & PayeesReceive Pay

Core ServicesReceive Pay

We provide end-to-end orchestration of Request for Payment (RfP™) workflows using ISO 20022 messaging standards:Receive Pay

• Real-time RfP™ creation, validation, and deliveryReceive Pay
• Payment initiation using PAIN.013 and PAIN.014 message formatsReceive Pay
• Intelligent routing across FedNow® and RTP® railsReceive Pay
• Open banking API connectivity between ERP/accounting systems and financial institutionsReceive Pay
• Multi-bank and multi-account payment orchestrationReceive Pay

Our Solutions: SecureQBPlugin.com as the Payment Identity & Orchestration LayerReceive Pay

Platform SolutionsReceive Pay

• Open Banking API Gateway for financial data and payment executionReceive Pay
• Accounting-to-bank integration hub for QuickBooks® and ERP systemsReceive Pay
• Alias-based payment identity routing (email, EIN, phone, account mapping)Receive Pay
• Reverse Positive Pay + RfP™ validation engineReceive Pay
• Real-time reconciliation and automated posting into accounting ledgersReceive Pay

Benefits for Businesses as Payers and PayeesReceive Pay

Key BenefitsReceive Pay

• Instant settlement with finality using FedNow® and RTP®Receive Pay
• Reduced fraud exposure through Positive Pay and approval workflowsReceive Pay
• Elimination of manual payment processes and reconciliation delaysReceive Pay
• Full transparency across payment lifecycle with ISO 20022 data richnessReceive Pay
• Seamless integration with existing accounting systemsReceive Pay

Features for Business: Payer & Payee EnablementReceive Pay

Advanced FeaturesReceive Pay

• Intelligent RfP™ routing & approval automationReceive Pay
• AI-driven payment decisioning and prioritizationReceive Pay
• Batch and real-time payment file generation (.CSV, .XML ISO 20022)Receive Pay
• Multi-MID and multi-bank orchestrationReceive Pay
• Embedded dashboards for cash flow visibility and payment trackingReceive Pay

Top 10 Feature-Rich Reasons to Choose Premier FedNow® & RTP®Receive Pay

1. Instant payment settlement with immediate good fundsReceive Pay
2. ISO 20022 structured messaging for enhanced data intelligenceReceive Pay
3. 24/7/365 real-time payment processingReceive Pay
4. Request for Payment (RfP™) automation and lifecycle managementReceive Pay
5. Multi-bank and multi-account orchestrationReceive Pay
6. Fraud mitigation with Positive Pay and approval controlsReceive Pay
7. Seamless QuickBooks® and ERP integrationReceive Pay
8. AI-powered routing and payment optimizationReceive Pay
9. Scalable infrastructure for high-volume transactionsReceive Pay
10. Unified platform for both payables and receivablesReceive Pay

B2B and C2B Request for Payment (RfP™)Receive Pay

RfP™ enables businesses to send structured payment requests containing invoice data, due dates, payer identity, and settlement instructions through ISO 20022 messaging, allowing both B2B and C2B transactions to be authorized, processed, and settled instantly with full transparency, automated reconciliation, and enhanced control over payment timing and approval workflows.

We enable businesses to automate real-time payments using FedNow® and RTP® through ISO 20022 Request for Payment workflows integrated directly into QuickBooks®. Our platform simplifies multi-bank payment orchestration with secure open banking APIs designed for accounting systems. Businesses can leverage intelligent RfP™ routing and approval automation to accelerate cash flow and reduce fraud risk. SecureQBPlugin.com delivers a scalable infrastructure for real-time payment processing across all U.S. financial institutions.

Minimum ISO 20022 Request for Payment Data FieldsReceive Pay

The minimum required data fields for an ISO 20022 RfP™ include:Receive Pay

• Message Identification (MsgId)Receive Pay
• Creation Date Time (CreDtTm)Receive Pay
• Creditor (Payee) Name and Account DetailsReceive Pay
• Debtor (Payer) Name and Account DetailsReceive Pay
• Payment Amount and CurrencyReceive Pay
• Requested Execution DateReceive Pay
• Remittance Information (Invoice details)Receive Pay
• End-to-End Transaction IDReceive Pay
• Creditor Agent (Bank) and Debtor Agent (Bank)Receive Pay
• Purpose Code and Payment TypeReceive Pay

U.S. Open Banking Architecture & Evolution of SecureQBPlugin.comReceive Pay

Open Banking Architecture (U.S.)Receive Pay

• API Gateway Layer → secure endpoints for data and payment initiationReceive Pay
• Identity & Alias Directory → maps EIN, email, phone to accountsReceive Pay
• Payment Orchestration Engine → routes transactions to FedNow® or RTP®Receive Pay
• ISO 20022 Messaging Layer → standardized financial communicationReceive Pay
• Bank Connectivity Layer → integrates with multiple financial institutionsReceive Pay
• Accounting Integration Layer → connects QuickBooks® and ERP systemsReceive Pay

Evolution into Open Banking API ServiceReceive Pay

SecureQBPlugin.com can evolve into a full Open Banking API platform by acting as the orchestration and identity layer between accounting systems and banks, enabling standardized APIs for payment initiation, data access, and reconciliation while leveraging ISO 20022 messaging and real-time payment rails.

AI + Real-Time Payments: The Next Profit EngineReceive Pay

We recognize that AI thrives on structured, real-time financial data. By combining ISO 20022 messaging with FedNow® and RTP®, we enable intelligent automation, predictive cash flow management, and dynamic payment routing—creating a powerful ecosystem where AI continuously optimizes financial operations and drives measurable business value.

We are not a bank—we are an American accounting fintech merchant processor and a full-service real-time payments facilitator. Through https://www.Real-TimePayments.com, we empower businesses to connect, automate, and accelerate payments across FedNow® and RTP® networks with precision, speed, and intelligence. Join us as we redefine the future of payments through open banking, real-time data, and AI-driven orchestration.

Speak With a Real-Time Payment Specialist Now

Whether you’re ready to launch FedNow® & RTP® payments or just exploring options, our team is here to answer your questions and guide you toward the best-fit solution.

Call us now: (866) 927-7180

Or… fill out the quick form below and we’ll contact you within 1 business hour.