How FedNow® Payee & RTP® Work for Real-Time B2B, C2B, and B2C Payments

FedNow® Payee enables businesses to use aliases (email or phone number) instead of traditional bank account numbers to send and receive real-time payments. The FedNow® Hub ensures each alias is correctly linked to the right bank account, providing instant, secure transactions.

By integrating with SecureQBPlugin™ for QuickBooks® QBO, businesses can:

✔ Send real-time invoices with Request for Payment (RfP).
✔ Enable customers to pay instantly using an alias instead of bank details.
✔ Automatically reconcile payments within QuickBooks® QBO, eliminating manual entry.

How the FedNow® Hub Filters Transactions for Accuracy

1️⃣ A business generates an invoice in QuickBooks® QBO and sends a Request for Payment (RfP).
2️⃣ The payer receives an RfP notification and authorizes the transaction.
3️⃣ The FedNow® Hub verifies the alias (email or phone) and routes the payment to the correct bank account.
4️⃣ Funds are transferred instantly—no waiting, no errors, no chargebacks.
5️⃣ Payments are automatically reconciled in QuickBooks® QBO via SecureQBPlugin™.

���� This system eliminates errors, fraud, and delays, ensuring businesses always receive payments in the correct account.

Ask us how:

How businesses can use FedNow® Payee with multiple bank accounts for secure payments.
How to integrate FedNow® & RTP® with QuickBooks® QBO using SecureQBPlugin™.
Best way to automate MOTO, POS, and recurring payments using FedNow® RfP.

Why Businesses Should Use FedNow® Payee for RfP Transactions

1. Accept Payments via Multiple Methods (MOTO, POS, Batching, One-Time, Recurring)

���� MOTO (Mail Order/Telephone Order): Accept real-time phone and email transactions securely.
���� POS (Point-of-Sale): Process in-store transactions instantly without credit card fees.
���� Batching: Collect and process multiple payments efficiently.
���� Variable Recurring: Automate payments for subscriptions, membership fees, and invoices.

2. Multi-Alias Banking for Multi-Account Flexibility

���� Link multiple email addresses and phone numbers to different bank accounts.
���� Automatically route payments to the correct account based on transaction type.

3. Instant, Secure Payments with No Chargebacks

���� Transactions are final—eliminating disputes and chargeback fraud.
✅ Payments settle instantly, improving cash flow.

4. 24/7/365 Real-Time Payment Processing

⏰ No banking cut-off times—payments can be processed anytime, anywhere.

5. Fully Integrated with QuickBooks® QBO via SecureQBPlugin™

���� Payments are reconciled automatically—eliminating manual accounting errors.
✅ Syncs directly with invoices and financial reports for better financial tracking.

FedNow® & RTP® – The Future of Business Payments

Comparison Table: FedNow® vs. RTP® vs. ACH vs. Credit Cards

Feature	FedNow® Payee (RfP)	RTP®	ACH Transfers	Credit Cards
Processing Speed	Instant (Seconds)	Instant (Seconds)	1-3 Business Days	1-3 Business Days
Alias-Based Payments (Email/Phone)	Yes	Yes	No	No
Multi-Bank Account Support	Yes	Yes	No	No
Chargebacks Allowed?	No	No	Possible Reversals	Yes
Transaction Fees	Low or None	Low or None	Varies by Bank	2-5% Per Transaction
Best Use Cases	B2B, C2B, B2C, Recurring Payments	B2B, C2B, B2C	Recurring Payments	Consumer Retail

 

���� Key Takeaway: FedNow® Payee with RfP is the most secure, cost-effective, and flexible payment solution for businesses.

How to Get Started with FedNow® Payee & RTP® for QuickBooks® QBO

Step-by-Step Guide to Enabling Instant Alias-Based Payments

✅ Step 1: Ensure Your Bank Supports FedNow® & RTP®.
✅ Step 2: Register Your Email and Phone Number as an Alias.
✅ Step 3: Integrate SecureQBPlugin™ with QuickBooks® QBO.
✅ Step 4: Enable Alias-Based RfP Payments for Your Business.
✅ Step 5: Start Sending & Receiving Instant Payments for MOTO, POS, Batching & Recurring Transactions.

���� Once set up, businesses can optimize payment processing, improve cash flow, and automate reconciliation within QuickBooks® QBO.

Upgrade to FedNow® Payee with TodayPayments.com

���� Still using slow payment methods? Upgrade to FedNow® Payee & RTP® today for instant transactions!

Retailers & Service Providers: Accept real-time payments with MOTO & POS.
Subscription Businesses: Automate recurring billing with zero delays.
Small Business Owners: Get paid faster and reduce payment errors.
Banks & Financial Institutions: Offer customers the fastest, most secure alias-based payment solution.

���� With SecureQBPlugin™ and TodayPayments.com, businesses can integrate FedNow® Payee for seamless transactions across multiple banks.

���� Sign up at TodayPayments.com today and start accepting secure, alias-based payments!