FedNow® Debit Card Network + QBO QuickBooks®: A New Era of Real-Time Accounts Receivable

• ~ Automate Account Receivable Collection
• ~ Automate Account Payable Payments
• ~ One-time and Recurring Debits / Credits

Secure QB Plugin payment processing through QuickBooks ^® specializes in the origination of moving money electronically.

Ask about our special:

Request for Payments

The FedNow® Debit Card Network for AR is a hybrid payment system that mimics debit card behavior by integrating FedNow®’s real-time A2A payment infrastructure into QuickBooks® Online (QBO). It enables businesses to:

• Receive real-time good funds
• Issue tokenized payment links
• Reconcile instantly in QBO®
• Avoid credit card processing fees
• Operate without chargebacks

This isn’t just a faster ACH. It’s a next-gen receivables system for merchants who demand payment finality, real-time posting, and seamless QBO integration.

Core Architecture – Building the FedNow® Debit Card + QBO AR Network

Required Components to Build the Network:

1. FedNow®-Enabled Bank or Credit Union
   • Must support sending/receiving FedNow® ISO 20022 messages
   • Real-time account access and authentication
2. FinTech Orchestration Layer
   • Real-time payment router
   • Tokenized alias management (email/phone/QR)
   • Message translator for ISO 20022 ↔ QBO API formats
3. QuickBooks® API Integration
   • QBO AR modules (Customers, Invoices, Payments)
   • Webhooks to auto-update payment status in QBO
   • Smart reconciliation logic
4. Virtual Debit Card Issuance APIs (Optional)
   • Branded cards tied to FedNow-linked accounts
   • Real-time balance checks and payment routing
5. Mobile/Web UX for Customers
   • RfP (Request for Payment) approval interface
   • Real-time invoice and payment tracking
   • Receipt and confirmation logic

Workflow Examples: QBO® Accounts Receivable Powered by FedNow®

Invoice Payment via RfP & Real-Time Credit to QBO

1. QBO user sends invoice via email/text with FedNow® RfP link
2. Customer receives the link, clicks, and pays in real-time via FedNow®
3. Orchestrator sends ISO 20022 message to payer’s bank
4. Funds settle instantly in merchant’s account
5. QBO webhook triggers to mark invoice as paid and apply to AR

POS or Ecommerce Payment Using FedNow® Debit Experience

1. Customer pays with virtual FedNow® debit card or token at checkout
2. Orchestration layer validates balance and initiates FedNow® payment
3. Real-time funds settle to merchant bank, and QBO AR module syncs payment
4. Receipt emailed and auto-categorized in QBO’s customer history

FedNow® Payment Parameters, Attributes, Benefits and Features

1. Real-Time Payments as Good Funds

FedNow® ensures instant, irrevocable settlement directly to your business bank account—eliminating delays, returns, or “pending” statuses commonly seen with ACH and cards.

"Receive customer payments as good funds in seconds, fully integrated into QuickBooks® Accounts Receivable."

2. ISO 20022 Rich Data Messaging

Each payment contains structured data such as invoice number, payer ID, service dates, and notes—auto-mapped into your QBO system for instant reconciliation.

"Track and apply payments by invoice with ISO 20022-rich metadata synchronized into QBO® in real time."

3. Debit Card Style Experience with FedNow® A2A Settlement

Customers can “tap, click, or scan” to pay just like a debit card, while you enjoy real-time A2A settlement without interchange fees or chargebacks.

"Offer your customers a debit-like experience with the backend power of real-time FedNow® rails."

4. Integration with QBO AR Modules

Auto-apply payments, update customer balances, generate receipts, and manage cash flow—all within your QBO Accounts Receivable dashboard.

"Connect FedNow® directly to your QuickBooks® receivables system for instant posting, visibility, and control."

5. 24/7/365 Availability

The system operates nonstop—even weekends and holidays—allowing instant payment receipts when your business or staff is offline.

"Collect and reconcile payments anytime—day or night—with 24/7 FedNow® access."

Ask us How:

“FedNow® Debit Card Network integrating with QuickBooks® Online Accounts Receivable” lets merchants accept real-time, irrevocable payments directly in their accounting system.

“Real-Time Payments using FedNow® linked to QBO® for B2B, C2B transactions” creates unmatched speed, transparency, and automation in receivables.

“Good Funds Settlement using ISO 20022 into QBO Accounts Receivable” provides certainty and eliminates reconciliation delays for small and midsize businesses.

“Hybrid FedNow® Debit Card Functionality for Real-Time Invoicing and Payment Links” offers customers an easy way to pay via mobile or card interfaces without credit card fees.

Bring the Power of FedNow® Real-Time Payments to Your QuickBooks® Accounts Receivable.

The FedNow® Debit Card Network isn’t a dream—it’s a powerful reality built on smart FinTech architecture. By merging FedNow® rails with the QBO AR ecosystem, businesses now have the tools to collect, apply, and reconcile real-time payments just like credit cards—but faster, cheaper, and more secure.

👉 Join the revolution in receivables. Visit https://www.TodayPayments.com to activate your FedNow®-enabled QBO payment system today. Your customers will love the simplicity, and your books will close faster than ever before.

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Call us, the .csv, text messaging and or .xml Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) show how to implement Create Real-Time Payments Request for Payment File up front delivering message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continuing through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.

Our in-house QuickBooks payments experts are standing ready to help you make an informed decision to move your company's payment processing forward.

 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory data for completed file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support

2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1.5% percentage on gross dollar file,

3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Debit Card system.

Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG

4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.