SecureQBPlugin.com: The Payment Orchestration Layer for Real-Time Accounting & Banking
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We empower organizations to convert financial data into real-time payment execution through intelligent orchestration, open banking connectivity, and ISO 20022-driven automation.
We are the Open Banking Payment Orchestration Layer designed for businesses managing multiple banks and numerous accounts, delivering Positive Pay intelligence, real-time payment control, and seamless ISO 20022 integration through a unified financial ecosystem.
How Request for Payments - Real-Time
We are redefining how businesses interact with
money by transforming accounting systems into real-time payment
command centers. Through SecureQBPlugin.com, we operate as a Payment
Orchestration Layer that connects accounting platforms directly to
bank/payment rails, creating an open financial data and payment
orchestration hub. By leveraging ISO 20022 Request for Payment
(RfP™) and Request to Pay frameworks, we enable seamless,
intelligent, and instant financial transactions across FedNow® and
RTP® networks.
We position ourselves as the bridge between
accounting systems and bank/payment rails, delivering an open
financial data infrastructure that powers Request for Payment (RfP™)
and Request to Pay workflows. Our orchestration layer transforms
accounting entries into real-time, actionable payment instructions,
enabling businesses to operate with speed, control, and precision.
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.
How to Get Approved for Interoperable FedNow® Merchant Processing
• Maintain compliant KYC/KYB documentation
• Provide financial transparency
• Implement fraud monitoring
controls
• Maintain operational reserves
• Ensure ISO 20022
compatibility
• Support multi-bank interoperability
Get Approved for FedNow® & RTP® Merchant Processing!
Payment Orchestration Layer Request For Payment
✅ "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
Services: Real-Time RfP™ Payment Orchestration
Core Services
- ISO 20022 Request for Payment (RfP™) creation and lifecycle management
- Payment initiation via PAIN.013 and PAIN.014 messaging
- Intelligent RfP™ routing and approval automation
- Open banking API connectivity between accounting systems and financial institutions
- Multi-bank, multi-account orchestration across FedNow® and RTP®
Solutions: Open Financial Data + Payment Orchestration Hub
Platform Solutions
- Payment Orchestration Engine connecting accounting systems to bank rails
- Open Banking API Gateway for financial data and payment execution
- Alias-based identity routing (EIN, email, phone, account mapping)
- Reverse Positive Pay combined with RfP™ validation controls
- Real-time reconciliation and automated accounting integration
Benefits for Businesses (Payers & Payees)
Key Benefits
- Instant payment settlement with finality using FedNow® and RTP®
- Enhanced fraud prevention through Positive Pay and approval workflows
- Accelerated cash flow and improved working capital efficiency
- Full transparency through ISO 20022 enriched payment data
- Seamless integration with QuickBooks® and ERP systems
Features for Business as a Payer and Payee
Advanced Features
- Intelligent RfP™ Routing & Approval Automation
- AI-driven payment prioritization and decisioning
- Batch and real-time .CSV / .XML file generation
- Multi-bank, multi-MID orchestration
- Real-time dashboards for payment lifecycle visibility
Top 10 Feature-Rich Reasons to Choose Premier FedNow® and RTP®
- Immediate settlement with irrevocable funds
- 24/7/365 real-time payment capability
- ISO 20022 structured messaging for enhanced data visibility
- Request for Payment (RfP™) automation and lifecycle control
- Multi-bank and multi-account orchestration
- Built-in fraud mitigation through Positive Pay
- Seamless integration with accounting systems
- AI-powered routing and approval optimization
- Scalable infrastructure for enterprise and SMB growth
- Unified payables and receivables ecosystem
B2B and C2B Request for Payment (RfP™)
Request for Payment (RfP™) enables businesses to transmit structured ISO 20022 payment requests containing invoice details, payer identity, payment terms, and settlement instructions, allowing B2B and C2B transactions to be authorized, processed, and settled instantly while improving transparency, automating reconciliation, reducing fraud risk, and optimizing cash flow management.
We enable businesses to connect accounting systems to FedNow® and RTP® using ISO 20022 Request for Payment workflows for real-time financial execution. Our payment orchestration layer simplifies open banking by unifying multiple banks and accounts into a single API-driven platform. Businesses benefit from intelligent RfP™ routing and approval automation that accelerates payments and reduces operational risk. SecureQBPlugin.com delivers scalable infrastructure for real-time payments, financial data integration, and open banking innovation across the United States.
Minimum ISO 20022 Request for Payment Data Fields
- Message ID (MsgId)
- Creation Date Time (CreDtTm)
- Creditor (Payee) Name and Account Details
- Debtor (Payer) Name and Account Details
- Payment Amount and Currency
- Requested Execution Date
- End-to-End Transaction Identifier
- Remittance Information (Invoice Reference)
- Creditor Agent (Bank)
- Debtor Agent (Bank)
- Purpose Code / Payment Type
U.S. Open Banking Architecture
Architecture Overview
- API Gateway Layer for secure communication and authentication
- Identity & Alias Directory mapping EIN, email, and phone to accounts
- Payment Orchestration Engine routing transactions to FedNow® or RTP®
- ISO 20022 Messaging Layer standardizing financial data exchange
- Bank Connectivity Layer integrating multiple financial institutions
- Accounting Integration Layer connecting QuickBooks® and ERP platforms
Evolution into Open Banking API / System Service
SecureQBPlugin.com evolves into an Open Banking API and system service by acting as the orchestration, identity, and messaging layer between accounting systems and banks, exposing standardized APIs for payment initiation, financial data exchange, reconciliation, and intelligent routing across real-time payment networks.
AI + Real-Time Payments Growth Opportunity
We leverage AI to extract value from ISO 20022 data, enabling predictive cash flow insights, automated approvals, and intelligent payment routing decisions. As adoption of FedNow® and RTP® expands, AI-driven orchestration becomes a key profit driver within the Real-TimePayments.com ecosystem. Intelligent RfP™ Routing & Approval Automation continuously enhances efficiency, reduces risk, and unlocks new financial intelligence.
Conclusion
We are not a bank—we are an American accounting fintech merchant processor and a strategic enabler of real-time payments across FedNow® and RTP® networks. Through https://www.Real-TimePayments.com, we deliver a full-service real-time payments platform powered by open banking, ISO 20022 messaging, and AI-driven orchestration. Join us as we transform how businesses send, receive, and manage money in real time.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.Creation Request for Payment Bank File
Enhance Your Receive Pay using Real-Time Payments Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of RTP'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 145-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page 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.
We invite you to connect with us today and receive the
exact .csv or .xml SecureQBPlugin.com or Request for Payment
(RfP™) file required during your first conversation. Our
solutions are engineered to integrate seamlessly with your
bank or credit union, ensuring immediate usability and
precision. We continue to lead the market by delivering
advanced RequestForPayment.com capabilities ahead of
traditional approaches.
We operate as an accounting-driven Open
Banking enabler, helping businesses generate ISO
20022-compliant RfP™ files that upload directly into online
banking platforms. Using SecureQBPlugin.com and Today
Payments’ PAIN.013 and PAIN.014 frameworks, we enable clear
communication between creditor and debtor banks through
secure payment hubs such as RTP®. This streamlined
architecture accelerates transactions while improving
transparency, reliability, and end-to-end payment visibility.
... easily create Real-Time Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform.
Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH
and Real-Time Payments funding. Our business clients receive faster
availability of funds on deposited items and instant notification of
items presented for deposit all based on real-time activity.
Dedicated to providing superior customer service and
industry-leading technology.
Contact Us for Request For Payment payment processing
