Surcharge for QuickBooks® QBO Customers Using RTP® & FedNow® for Instant Real-Time Payments

How Surcharge RTP® & FedNow® Benefits QuickBooks® QBO Customers

Today Payments is an Authorized Developer of Intuit offering a highly robust app that supports both QuickBooks’ desktop and online customers, provide merchants with the tools they need so they can focus more time on their customers and businesses, and less time on data entry.

The Smartest Way to Accept Instant Payments – Surcharge for QuickBooks® QBO Customers Using RTP® & FedNow®

For small, mid-size, and large businesses (SMBs), managing transaction fees, cash flow, and compliance is essential for profitability. Traditional credit card processing, ACH payments, and wire transfers come with hidden fees, delayed settlements, and strict compliance requirements—making them inefficient and expensive, especially for businesses with bad credit.

Now, with Surcharge RTP® & FedNow® for QuickBooks® QBO Customers, businesses can pass transaction fees to the payer, ensuring they receive 100% of the invoice amount while still benefiting from instant real-time payments. This model, powered by our software solutions, enables one-time and variable recurring payments with Request for Payment (RfP) digital invoicing for seamless financial management.

This is the ultimate solution for businesses that want to eliminate processing costs, receive payments instantly, and automate invoicing—all while staying compliant with state surcharge regulations.


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QuickBooks® ACH, Cards, FedNow and Real-Time Payments

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  • ~ 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.

Perfect for Subscription & Recurring Billing

Surcharge for QuickBooks® QBO Customers Using RTP® & FedNow® for Instant Real-Time Payments

Cash Discount vs. Surcharge – Key Differences

Before implementing Surcharge RTP® & FedNow®, businesses must understand the difference between cash discounts and surcharges:

  • Cash Discount: A lower price offered to customers who pay with cash, ACH, or RTP® & FedNow®, rather than using a credit card.
  • Surcharge: A small fee added to a transaction when a customer chooses a specific payment method, such as RTP®, FedNow®, or credit cards.

With Surcharge RTP® & FedNow®, businesses can legally pass the transaction processing fee to the payer, reducing operational costs while staying compliant with state laws regulating surcharges.

Key Benefits of Surcharge RTP® & FedNow® for QuickBooks® QBO Customers

✅ Pass Processing Fees to the Payer – Eliminate Merchant Costs

  • Businesses no longer pay transaction fees, ensuring they receive the full invoice amount.
  • Eliminates credit card fees, which typically range from 2.5% - 3.5% per transaction, saving thousands annually.
  • Businesses operate with higher profit margins and lower overhead costs.

✅ Instant Real-Time Payments – No Settlement Delays

  • Funds settle within seconds, providing immediate access to cash flow.
  • Unlike ACH transfers or wire payments, RTP® & FedNow® eliminate waiting periods and batch processing delays.
  • Businesses can reinvest revenue instantly, improving financial flexibility.

✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions

  • Businesses can send invoices instantly using RfP digital invoicing.
  • Automates reconciliation with QuickBooks® QBO, Xero, and NetSuite, reducing manual accounting errors.
  • Reduces late payments and improves cash flow predictability.

✅ One-Time & Variable Recurring Payment Support

  • Accept one-time and recurring payments with zero processing fees for merchants.
  • Ideal for subscription-based services, professional invoicing, and flexible customer payment plans.
  • Supports customized variable recurring billing cycles.

✅ No PCI Compliance Costs – Reduce Security Risks

  • RTP® & FedNow® transactions do not require PCI DSS compliance, unlike credit card payments.
  • End-to-end encryption ensures secure, direct bank-to-bank transfers.
  • Reduces fraud risk, eliminates chargebacks, and prevents unauthorized reversals.

✅ Ideal for SMBs & Businesses with Bad Credit

  • No credit score requirements—RTP® & FedNow® transactions are not dependent on credit history.
  • Even businesses with low or no credit history can accept payments without financial restrictions.
  • Opens doors for all businesses to offer instant digital payments.

✅ 24/7/365 Payment Availability – No Banking Hour Restrictions

  • Unlike ACH and wire transfers, RTP® & FedNow® operate 24/7/365, including weekends and holidays.
  • Accept payments anytime, ensuring uninterrupted business transactions.

✅ Enhanced Security & Fraud Protection

  • End-to-end encryption and authentication protect against fraud.
  • Unlike credit card payments, RTP® & FedNow® transactions cannot be reversed, eliminating chargebacks.
  • ISO 20022 messaging standard ensures secure and transparent transactions.

How Surcharge RTP® & FedNow® Benefits QuickBooks® QBO Customers

Faster Business-to-Business (B2B) Payments

  • Instantly pay vendors, suppliers, and service providers without delays.
  • No ACH transfer holds, wire fees, or pending credit card settlements.

Ideal for E-Commerce & Retailers

  • Accept real-time payments with zero merchant fees, increasing profit margins.
  • Faster order processing and instant payment confirmations.

Perfect for Subscription & Recurring Billing

  • Automate monthly, quarterly, or annual recurring payments with RfP invoicing.
  • Reduce failed transactions and disputes.

Optimized Payroll & Contractor Payments

  • Pay employees, freelancers, and contractors instantly via RTP® & FedNow®.
  • Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to Surcharge RTP® & FedNow® with TodayPayments.com

Are you ready to eliminate merchant processing fees and pass RTP® & FedNow® transaction fees to the payer? With Surcharge RTP® & FedNow® for QuickBooks® QBO Customers, your business can:

 Pass transaction fees to the payer and eliminate processing costs
 Accept instant real-time payments—Funds settle in seconds
 Automate invoicing with Request for Payment (RfP) & QuickBooks® QBO integration
 Support one-time and variable recurring payments
 Enhance security and eliminate chargebacks

Start accepting real-time, fee-free payments today! Sign up with TodayPayments.com now.

Request for Payment

Creation Request for Payment Bank File

Enhance Your Surcharge Fednow using QuickBooks QBO, Payment Requests with FedNow’s ISO 20022 Messaging

Streamline Payments with Advanced Request for Payment Options:

Harness the power of FedNow'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 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website 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.

Call us, the .csv 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.

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