Alias Real-Time Transactions Using RfP™ Integrated into QuickBooks® and QBO

Key Parameters

• Payment Rails Supported: FedNow®, RTP®, ACH, Cards, BNPL
• Invoicing Channels: Email, SMS, QRC, QuickBooks®
• Payer Identifier: Alias (mobile number or email)
• Accounting Integration: QuickBooks®, QBO, ERP-compatible
• Data Format: ISO 20022 XML (pain.013/pain.014)
• Message Payload: Up to 145 characters unstructured

Key Attributes

• Alias-based invoicing with embedded Hosted Payments Page
• Recurring, single, or batch transactions
• Return code handling with auto-retry support
• Multi-alias Merchant ID (MID) mapping
• Secure transmission without routing/account exposure

Benefits

• Faster, real-time good funds availability
• Reduced fraud and operational risk
• Enhanced customer payment experience
• Streamlined reconciliation in QuickBooks®
• Transparent audit trails and payment metadata

Top Features

• Hosted Payments Pages with alias URL links
• Variable Recurring Payment (VRP) compatibility
• POS, MOTO, eCommerce-ready infrastructure
• Excel, JSON, and XML batch file support
• ISO 20022 message automation for all U.S. financial institutions

Minimum Required ISO 20022 Data Fields for RfP™ Transactions

Ask us How:

Alias real-time payments using Request for Payment (RfP™) are revolutionizing the way merchants send invoices and receive funds. With mobile phone numbers or email addresses acting as secure aliases, merchants can request payments without exposing sensitive routing or account details—enhancing both compliance and customer trust.

Integrated directly into QuickBooks® and QuickBooks® Online, these alias-based RfP™ flows allow merchants to automatically send payment requests, reconcile cleared funds, and trigger retry logic based on ISO 20022 return codes. This creates a fully digitized, end-to-end receivables process for merchants of all sizes.

Each RfP™ includes an embedded Hosted Payments Page link, where customers can pay via RTP®, FedNow®, ACH, Cards, or BNPL using their preferred method and device. The rich data embedded in ISO 20022 XML messages—especially the 145-character unstructured field—supports full invoice traceability and auto-match reconciliation.

Using Excel, XML, or JSON files, merchants can batch upload payments to financial institutions and third-party processors—ensuring scalability and certainty in both A2A and B2B real-time payment environments.

Using SecureQBPlugin.com to facilitate FedNow and RTP, Alias Payments, and Real-Time Instant Payments represents a significant advancement in the way businesses manage transactions without needing traditional account numbers (DAN) or routing numbers (RTN). This system uses alias identifiers like cell phone numbers or email addresses to process payments, enhancing both security and convenience. Here’s how this can be implemented effectively:

How It Works with SecureQBPlugin.com

1. Alias Registration: Businesses and their customers register their preferred aliases—such as a phone number or an email address—with SecureQBPlugin.com. These aliases are securely linked to their respective bank accounts through the platform.
2. Initiating Payments: When a payment needs to be made, the sender simply enters the recipient’s alias into the SecureQBPlugin.com interface. The platform uses this alias to locate the associated bank account details maintained in the secure hub.
3. Security Measures: The actual bank details are never exposed to the sender or any other unauthorized party. SecureQBPlugin.com ensures that all sensitive information is encrypted and securely managed within the hub platform.
4. Real-Time Processing: Utilizing the FedNow service and RTP network, the platform processes these transactions instantly. The funds are moved in real time, providing immediate availability and confirmation to both parties.

Benefits for QuickBooks Users

• Enhanced Security: Reduces the risk of financial fraud and data breaches by eliminating the need to exchange sensitive banking information.
• Streamlined Transactions: Simplifies the payment process, making it faster and more user-friendly by allowing payments via simple identifiers like email or phone numbers.
• Seamless Integration: Integrates directly with QuickBooks, allowing for real-time updates and reconciliation within the accounting software. This saves time and reduces errors in financial record-keeping.
• 24/7 Availability: Enables businesses to conduct transactions at any time, crucial for companies that operate globally or in different time zones.

Practical Use Cases

• Customer Payments: Retail businesses can receive payments from customers who simply enter an email or phone number at checkout, streamlining the payment process.
• Supplier Payments: Businesses can pay suppliers instantly using just an alias, ensuring swift transaction times and improving supply chain efficiency.
• Freelancer and Contractor Payments: Businesses can pay freelancers or contractors immediately upon job completion, using only a phone number or email, which is especially beneficial for on-demand and gig economy workers.

By leveraging SecureQBPlugin.com for alias-based transactions with FedNow and the RTP network, businesses using QuickBooks can enjoy a more secure, efficient, and modern payment process. This technology not only aligns with the latest financial transaction trends but also provides significant operational advantages, making it an ideal solution for businesses looking to optimize their financial transactions.

Automate Alias RfP™ Invoicing with TodayPayments.com

Alias-based invoicing is the smart, secure way to get paid instantly.

At TodayPayments.com, we help you:

• Replace account numbers with email and mobile aliases
• Send RfP™ via SMS, email, or QRC
• Embed Hosted Payments Pages with ISO 20022 metadata
• Auto-reconcile transactions in QuickBooks® and QBO
• Batch and automate recurring real-time payments across RTP®, FedNow®, and ACH

Start collecting good funds in real time—with transparency, control, and speed.

Visit TodayPayments.com to book your Alias RfP™ integration demo today.