Real-Time Discounts Using A2A Payments Integrated with QBO QuickBooks®

• ~ 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.

Core Features, Benefits, and Payment Parameters

1. Instant A2A Transactions Using RTP® and FedNow®

Real-Time Discounts are settled over FedNow® and RTP® rails, providing irrevocable good funds in seconds. There’s no delay, no chargebacks, and no batch windows.

“Real-Time Discounts give customers instant savings while merchants enjoy same-second deposits directly into their bank account—without card fees or ACH delays.”

2. Seamless QuickBooks® Integration

All payments and discounts are instantly posted into the merchant’s QuickBooks® Accounts Receivable ledger, eliminating manual entry and reducing AR aging.

“With QuickBooks® integration, real-time A2A discounts are fully tracked, reconciled, and auto-mapped to the correct customer and invoice—improving accounting accuracy.”

3. Hosted Request for Payment (RfP™) Pages

Each RfP™ includes a branded, mobile-optimized payment page—no coding required. Customers receive links via SMS, email, or digital invoice and complete payment in seconds.

“Merchants can send out Real-Time Discount offers via hosted RfP™ pages—turning a request into real revenue faster than any traditional rail.”

4. ISO 20022-Compliant Message Formats

All transactions include ISO 20022 rich data, enabling structured remittance, invoice IDs, payment terms, and rebate details. Perfect for reconciliation and audit trails.

“ISO 20022 messaging enables every discount or rebate to carry detailed metadata—perfect for ERP syncing, compliance, and QBO reconciliation.”

5. Batch & Recurring Payments via Excel, XML, JSON

Use standardized file formats to upload bulk discount payments or recurring rebate schedules. Real-Time Discounts work with high-volume payment environments.

“Upload .XML or Excel files to process batches of Real-Time Discounts across multiple customers and divisions—fully automated and instantly settled.”

6. Multi-Channel Payment Compatibility: POS, MOTO, E-commerce

Offer Real-Time Discounts through all customer touchpoints:

• In-store (POS)
• Phone payments (MOTO)
• Online checkout (E-commerce)

“Whether online or in-store, merchants can offer Real-Time Discounts through their preferred channel—delivered instantly through secure A2A rails.”

7. Alias-Based MID Assignment

Assign multiple Merchant IDs (MIDs) to different staff, departments, or stores using mobile numbers or email aliases. Track and reconcile in real time.

“Alias MIDs allow each payment to be attributed to a specific team, improving tracking, reconciliation, and fraud control.”

8. Automated Reconciliation and Instant AR Updates

Once funds are received, TodayPayments.com automatically updates the AR ledger, matches invoices, and sends payment confirmation.

“Stop guessing which invoices were paid—our system instantly reconciles and updates your QBO account with real-time clarity.”

Key Features of Real-Time Payments for Payees

• ✅ Payee-Initiated Request for Payments (RfPs™)
  Merchants send RfPs™ via SMS, email, or invoice—customers pay in seconds.
• ✅ FedNow® and RTP® Compatibility
  Real-time funds, 24/7/365, no settlement delays.
• ✅ Alias-Based MID Assignment
  Improve control and tracking across all business units.
• ✅ ISO 20022 Messaging Compliance
  Fully structured for banking, ERP, and reconciliation systems.
• ✅ Hosted Payment Pages
  Branded, secure, mobile-responsive—no coding required.
• ✅ Automatic Reconciliation & Tracking
  Instant posting to QBO AR with full audit history.

 

Implementing real-time discounts on sales prices and reducing sales taxes through QuickBooks Online (QBO) and QuickBooks Enterprise, facilitated by lower merchant pricing using FedNow and RTP, can provide substantial benefits to both payees and payers. Here’s how this can be achieved:

Steps to Implement Real-Time Discounts and Lower Sales Taxes

1. Integration with FedNow and RTP:
   • Ensure your QBO and QuickBooks Enterprise systems are integrated with FedNow and RTP for seamless real-time payment processing.
2. Define Discount Rules:
   • Set up rules within QBO or QuickBooks Enterprise to apply discounts automatically for payments made via FedNow and RTP. These rules can be based on a percentage or a fixed amount.
3. Lower Sales Taxes:
   • Leverage the savings from lower merchant fees to offer lower sales taxes. This might involve recalculating the tax rates within your accounting system to reflect the reduced costs.
4. Automate Discount Application:
   • Configure your invoicing and sales systems in QBO and QuickBooks Enterprise to automatically apply the real-time discounts and adjusted sales taxes during the payment process.
5. Marketing and Communication:
   • Inform customers about the availability of real-time discounts and lower sales taxes through marketing campaigns, updates on your website, and direct communications. Highlight the benefits of using FedNow and RTP for payments.

Benefits of Implementing These Features

• For Payees (Merchants):
  • Cost Savings: Reduced transaction fees lead to significant savings.
  • Competitive Pricing: Ability to offer competitive prices and lower sales taxes.
  • Customer Loyalty: Increased customer satisfaction due to immediate discounts and tax benefits.
  • Efficiency: Streamlined payment processing and reduced administrative burdens.
• For Payers (Customers):
  • Immediate Savings: Instant discounts on purchases and lower sales taxes.
  • Simplified Transactions: Faster and more efficient payment processing.
  • Enhanced Buying Experience: Transparent pricing and immediate benefits.

Example Scenario

1. Customer Purchase:
   • A customer makes a purchase of $100 through your online store.
2. Payment via FedNow or RTP:
   • The customer selects FedNow or RTP as the payment method.
3. Automatic Discount Application:
   • Based on the predefined rules, a 5% discount ($5) is automatically applied, reducing the sale price to $95.
4. Lower Sales Tax Calculation:
   • The sales tax is recalculated based on the discounted price. If the original sales tax rate was 8%, the tax on $100 would be $8. With the discount, the tax on $95 would be $7.60.
5. Final Price:
   • The customer pays $95 + $7.60 = $102.60 instead of $108 ($100 + $8) without the discount and tax adjustment.

Implementation in QBO and QuickBooks Enterprise

1. Set Up Payment Methods:
   • Add FedNow and RTP as payment methods in your QuickBooks settings.
2. Create Discount Items:
   • Define discount items in your product/service list to automate the discount application.
3. Adjust Sales Tax Settings:
   • Update your sales tax settings to reflect the discounted pricing.
4. Automate Invoicing:
   • Customize your invoicing templates to automatically apply discounts and adjust sales taxes.
5. Track and Report:
   • Use QBO and QuickBooks Enterprise reporting features to track the effectiveness of real-time discounts and tax adjustments.

By integrating these features into your QuickBooks systems, you can provide a more attractive and cost-effective payment experience for your customers, while also benefiting from lower transaction costs and streamlined payment processing.

Ask us How:

• "Offer Real-Time Discounts using A2A payments via RTP® and FedNow® to reduce costs and enhance customer value with instant rebates."
• "Integrate QuickBooks® with Real-Time Discount payments to auto-track and reconcile each transaction using ISO 20022 structured data."
• "Use batch file uploads in Excel, XML, or JSON to issue recurring Real-Time Discounts to customers and vendors through secure A2A rails."
• "Hosted RfP™ payment pages allow merchants to send real-time discount offers with instant settlement and automated QBO integration."
• "Assign alias-based MIDs to departments or employees to manage and track real-time discount transactions with precision and control."

Real-Time Discounts + QuickBooks® Integration = Real Revenue, Real Speed, Real Simplicity.

Whether you're lowering prices to compete or automating rebate payments at scale, TodayPayments.com offers the most advanced Real-Time Payments solution on the market—powered by RTP® and FedNow®, enriched by ISO 20022, and fully integrated with QBO QuickBooks®.

You don’t need to build a gateway or wait days for settlement—just send a link and get paid. Real-Time Discounts make your business smarter, faster, and more cost-efficient.

👉 Join the instant payment revolution now at https://www.TodayPayments.com
Onboard today—no coding, no bank visit, just better business.

 

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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 Discount 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.