SecureQBPlugin API Platform: Middleware Connecting Business Software to FedNow® and RTP®
Ready to Upgrade Your Payments? Visit Real-TimePayments.com
Start sending real-time invoices, receiving good funds, and reconciling faster than ever — all powered by America’s premier real-time merchant processor.
We empower businesses to convert financial data into real-time payment execution through API-driven orchestration, open banking connectivity, and ISO 20022 intelligence.
We are the Open Banking middleware and Payment Orchestration Layer for businesses operating across multiple banks and numerous accounts, delivering Positive Pay intelligence, real-time control, and unified financial automation through a single API platform.
How Request for Payments - Real-Time
We are redefining financial connectivity by
introducing a SecureQBPlugin API Platform that acts as middleware
between business software and real-time payment rails. Our Payment
Orchestration Layer connects accounting systems directly to
bank/payment rails, forming 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 automated transactions across FedNow® and RTP®
networks.
We operate as an API-driven middleware layer
that bridges accounting systems, ERP platforms, and bank/payment
rails. Our platform transforms structured accounting data into
real-time payment execution through an open financial data + payment
orchestration hub, enabling Request for Payment (RfP™) and Request
to Pay workflows across FedNow® and RTP®.
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!
ISO 20022 SecureQBPlugin API Platform
✅ "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: ISO 20022 RfP™ Payment Orchestration via API
Core Services
- Request for Payment (RfP™) creation, validation, and lifecycle orchestration
- ISO 20022 payment initiation (PAIN.013 and PAIN.014) processing
- Intelligent RfP™ routing and approval automation
- API connectivity between accounting systems, ERP platforms, and banks
- Multi-bank and multi-account orchestration across FedNow® and RTP®
Solutions: Open Financial Data + Payment Orchestration Hub
Platform Solutions
- SecureQBPlugin API Gateway for payment execution and financial data exchange
- Middleware layer connecting business software to bank/payment rails
- Alias-based identity routing (EIN, email, phone, account mapping)
- Reverse Positive Pay integrated with RfP™ validation workflows
- Real-time reconciliation and automated accounting synchronization
Benefits for Businesses as Payer and Payee
Key Benefits
- Instant settlement with finality using FedNow® and RTP®
- Reduced fraud exposure through Positive Pay and approval workflows
- Accelerated receivables and optimized payables
- Enhanced transparency through ISO 20022 structured 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
- Real-time and batch .CSV / .XML file generation
- Multi-bank, multi-MID orchestration
- Payment lifecycle dashboards with real-time analytics
Top 10 Feature-Rich Reasons to Choose Premier FedNow® and RTP®
- Immediate real-time settlement with guaranteed funds
- 24/7/365 payment processing capability
- ISO 20022 messaging for rich, structured financial data
- Request for Payment (RfP™) lifecycle automation
- Multi-bank and multi-account orchestration
- Built-in fraud mitigation through Positive Pay controls
- Seamless integration with accounting and ERP systems
- AI-powered routing and approval automation
- Scalable API infrastructure for growth
- Unified payables and receivables management
B2B and C2B Request for Payments (RfP™)
Request for Payment (RfP™) enables businesses to send ISO 20022 structured payment requests containing invoice data, payer identity, payment terms, and settlement instructions, allowing B2B and C2B transactions to be approved, routed, and settled instantly while improving transparency, automating reconciliation, reducing fraud risk, and optimizing working capital efficiency.
We enable businesses to connect accounting systems and ERP platforms to FedNow® and RTP® using ISO 20022 Request for Payment workflows. Our SecureQBPlugin API platform simplifies open banking by unifying multiple banks and accounts into a single orchestration layer. Businesses benefit from intelligent RfP™ routing and approval automation that accelerates real-time payments and enhances control. SecureQBPlugin.com delivers scalable middleware infrastructure for financial data integration and payment execution 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 ID
- Remittance Information (Invoice Details)
- Creditor Agent (Bank)
- Debtor Agent (Bank)
- Purpose Code / Payment Type
U.S. Open Banking Architecture
Architecture Overview
- API Gateway Layer for secure authentication and communication
- 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 communication
- Bank Connectivity Layer integrating financial institutions
- Accounting Integration Layer connecting business software and ERP systems
Evolution into Open Banking API / System Service
SecureQBPlugin.com evolves into an Open Banking API and system service by acting as the middleware orchestration, identity, and messaging layer between business software and banks, exposing standardized APIs for payment initiation, financial data access, reconciliation, and intelligent routing across real-time payment rails.
AI + Real-Time Payments Opportunity
We leverage AI to maximize the value of ISO 20022 data by enabling predictive insights, automated approvals, and intelligent routing decisions. As FedNow® and RTP® adoption grows, AI-driven orchestration becomes a key profit engine within the Real-TimePayments.com ecosystem. Intelligent RfP™ Routing & Approval Automation continuously improves efficiency, reduces risk, and enhances financial performance.
Conclusion
We are not a bank—we are an American accounting fintech merchant processor and a full-service real-time payments facilitator enabling businesses through FedNow® and RTP® networks. Through https://www.Real-TimePayments.com, we deliver a powerful API-driven Payment Orchestration Layer that connects business software to real-time payment rails with speed, intelligence, and control. Join us as we redefine payments through open banking, ISO 20022 messaging, and AI-powered automation.
Speak With a Real-Time Payment Specialist NowWhether 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 you need during your very first call.
Our solutions integrate seamlessly with your bank or credit
union, ensuring immediate compatibility and precision. We
continue to lead by delivering advanced RequestForPayment.com
capabilities ahead of the market.
We operate as an accounting-driven Open
Banking middleware, 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 approach
accelerates transactions while enhancing 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
