Real-Time Payments via Ecommerce and Text for Sending and Receiving Digital Checks

To modernize payment processing for businesses by enabling real-time sending and receiving of digital checks through ecommerce and mobile channels, using secure, instant payment rails integrated into core accounting systems.

TodayPayments.com delivers the next generation of check payments—fully digital, real-time, and reconciled. Businesses can now send and receive payments through ecommerce and text, leveraging FedNow® and RTP® with hosted payment pages, batch file uploads, and seamless QuickBooks® QBO integration.

The Rise of Real-Time Digital Checks Across Ecommerce and Text Messaging

The traditional check has entered a new era—digital, mobile, and instant. Businesses now have the power to send and receive checks in real time via ecommerce platforms or SMS, with immediate confirmation and settlement. No more delays, float, or uncertainty.

FedNow® and RTP® payment rails provide the infrastructure for Good Funds in under 10 seconds. Combined with hosted Request for Payment (RfP™) links, QuickBooks® QBO integration, and ISO 20022 batch file uploads, this modern payment experience improves cash flow and builds trust between merchants and customers.

By implementing Real-Time Payments via ecommerce and SMS, businesses gain a faster, smarter way to move money using digital checks delivered through secure hosted payment pages. Whether initiated through a shopping cart, a mobile text message, or a recurring billing system, these payments settle instantly, reflect as irrevocable Good Funds, and reconcile directly into accounting platforms like QuickBooks® QBO.

QuickBooks Pro Software QuickBooks Accounting Software Image
  • ~ 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.

RTP® Parameters, Attributes, Benefits, and Features

Feature

Description

Payment Networks

FedNow® & RTP®

Funds Delivery Speed

Instant Settlement (<10 seconds)

Transaction Types

A2A, B2B, C2B, POS, MOTO, Ecommerce

Good Funds

Irrevocable, final, 24/7/365

Check Delivery Methods

SMS, QR Code, Email, Ecommerce Checkout, Text

Batch Processing Format

ISO 20022 (XML, JSON, Excel)

Reconciliation

Automated QuickBooks® QBO Sync

Hosted RfP™ Pages

Branded, secure, mobile-responsive

Alias-Based MID Routing

Department- or agent-specific identifiers

Regulatory Compliance

PCI-DSS, ISO 20022, NACHA Guidelines

Features

✅ Send Digital Checks via Text and Email with Instant Settlement

Merchants can now send Request for Payment (RfP™) links through SMS or email, allowing customers to pay using FedNow® or RTP® in real time, confirming Good Funds instantly with no delays or reversals.

✅ Receive Check-Equivalent Payments at Ecommerce Checkout

Businesses can embed digital check payment options into ecommerce shopping carts, enabling real-time transactions that feel like card checkouts but settle instantly with finality and no chargebacks.

✅ Batch Upload Recurring Payments with ISO 20022 Compliance

Upload thousands of real-time check payments in ISO 20022 formats like .XML, .JSON, and Excel for recurring disbursements including payroll, commissions, or vendor payouts.

✅ QuickBooks® QBO Integration for Seamless Accounting

Every digital check payment sent or received is automatically reconciled in QuickBooks® QBO, eliminating manual entry and ensuring up-to-date ledgers.

Ask us How:

  • Real-Time Payments via ecommerce and text enable merchants to send and receive check-style transactions instantly using RTP® and FedNow®, eliminating settlement delays and improving operational efficiency.
  • With secure hosted RfP™ pages, businesses can deliver payment requests via text message, email, or mobile links, with instant settlement of irrevocable Good Funds to the payee’s account.
  • Batch file processing using ISO 20022 formats allows high-volume disbursements with real-time payment delivery and full banking compliance.
  • QuickBooks® QBO integration ensures all real-time check payments are recorded instantly, streamlining accounting workflows and reducing reconciliation time.
  • TodayPayments.com supports real-time digital checks across MOTO, ecommerce, POS, and subscription billing, giving Payers complete control over when and how they approve payments.

Why Businesses Choose TodayPayments.com for Real-Time Check Payments

  1. ✅ Send and receive check-style payments instantly via ecommerce and SMS
  2. ✅ Settle all transactions over FedNow® and RTP® with 24/7 Good Funds
  3. ✅ Use ISO 20022 batch uploads for bulk payment processing
  4. ✅ Automate ledger entry with QuickBooks® QBO integration
  5. ✅ Deliver payment links via email, text, QR, or hosted RfP™ page
  6. ✅ PCI-compliant, secure hosted checkout pages
  7. ✅ Alias-based MID routing for multi-location businesses
  8. ✅ Compatible with POS, ecommerce, MOTO, and subscription models
  9. ✅ No chargebacks, delays, or reversals—settlement is final
  10. ✅ Instant online onboarding—no hardware or IT lift required
 

Integrating QuickBooks Online (QBO) with SecureQBPlugin.com and FedNow for real-time payments, along with the additional features you mentioned, can create a powerful and seamless financial management system. Here's how it could work:

1.     SecureQBPlugin.com Integration: SecureQBPlugin.com provides a secure and efficient way to integrate QBO with other services and platforms. This integration allows for smooth communication and data exchange between QBO and external systems.

2.     FedNow Integration: Integrating FedNow enables real-time payments between financial institutions, allowing for instant fund transfers. This ensures that transactions processed through your system are settled immediately, improving cash flow and reducing processing times.

3.     Digital Check Readers and Real-Time Check for Mobile: Incorporating digital check readers and real-time check processing for mobile devices allows for quick and convenient check deposits. Checks can be scanned digitally, and funds can be made available in real-time, eliminating the need for manual processing and reducing the risk of check fraud.

4.     Invoicing: Utilizing QBO's invoicing features, you can easily create and send invoices to customers. Integration with SecureQBPlugin.com ensures that invoice data is synchronized with other systems in real-time, providing accurate financial records.

5.     Texting: Texting capabilities can be integrated into your system to send payment notifications, reminders, or alerts to customers. This enhances communication and helps to facilitate prompt payments.

6.     File Upload Creation at Your Bank: SecureQBPlugin.com can facilitate file upload creation at your bank, allowing for secure transfer of documents or data related to transactions. This ensures compliance with banking regulations and facilitates efficient record-keeping.

7.     Integration with E-commerce Websites, Shopping Carts, and Gateways: Integrating with e-commerce platforms, shopping carts, and payment gateways enables real-time recording of sales and expenses. This ensures that financial data is up-to-date and accurately reflects your business transactions.

By integrating QBO with SecureQBPlugin.com and FedNow, along with the additional features you mentioned, you can create a comprehensive financial management system that enhances efficiency, security, and transparency across your business operations.

Checks don’t have to be slow anymore.

With TodayPayments.com, you can send and receive real-time check-style payments via ecommerce, SMS, and text, powered by the security and speed of FedNow® and RTP®. Whether for a refund, invoice, subscription, or digital delivery, you get final Good Funds—instantly.

✅ Hosted RfP™ pages
✅ ISO 20022 batch uploads
✅ Mobile + ecommerce delivery
✅ QuickBooks® QBO ledger sync
✅ Always-on, always-final payments

👉 Visit TodayPayments.com now and power your business with Real-Time Payments via Text and Ecommerce—because checks belong in your wallet, not in your backlog.

 
Request for Payment

Text Mobile Request for Payment 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.

Pricing with our Request For Payment Professionals
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 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 Checks 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.

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 Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds


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