QuickBooks® Upload Request for Payment

• ~ 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.

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Request for Payments

To upload FedNow and Real-Time Payments (RTP) Request for Payment (RfP) files to your business bank for one-time payments or batch payments with recurring options using the SecureQBPlugin integrated with QuickBooks Online (QBO), you’ll follow a structured workflow. Here’s a step-by-step guide for both scenarios (one-time and batch recurring payments):

Step-by-Step Guide for Uploading FedNow and RTP RfP Files Using SecureQBPlugin Integrated with QBO

1. Ensure SecureQBPlugin is Installed and Configured

• Install SecureQBPlugin from SecureQBPlugin.com and connect it to your QuickBooks Online (QBO) account.
• Authenticate with QBO using your credentials to allow the plugin to access your payment data such as invoices, customers, and payment history.

2. Prepare the Data in QuickBooks Online

• For One-Time Payments: Ensure that the invoice or payment request has been entered in QBO. This will include details like the customer (payer), amount, due date, and other remittance details.
• For Batch Recurring Payments: Have multiple invoices or payments ready in QBO that need to be sent to various customers. If the payments are recurring, ensure that you’ve configured the frequency, amount, and dates.

3. Export the Request for Payment Data Using SecureQBPlugin

SecureQBPlugin will allow you to export payment data from QBO in formats compatible with FedNow and RTP, such as ISO 20022 (Pain.013), CSV, or JSON. Follow these steps to export the file:

For One-Time Payment:

• Open SecureQBPlugin and select the specific invoice or payment you want to process as a one-time payment.
• Select Export Format: Choose either ISO 20022 XML (Pain.013), CSV, or JSON as the export format depending on your bank's requirements for FedNow or RTP.
• Map Fields: SecureQBPlugin will guide you through mapping the fields from QBO (e.g., payer details, amount, invoice number) to the export format fields.
• Export the Payment Request: Once mapped, export the file in the desired format.

For Batch Recurring Payments:

• Select Multiple Invoices in SecureQBPlugin that need to be sent to different customers as recurring payment requests.
• Recurring Payment Options: If your payment is recurring, configure the recurring schedule within SecureQBPlugin (daily, weekly, monthly) and define the start and end dates.
• Export the Batch File: Export the payment request batch file with all transactions included, ensuring the recurring schedule is embedded in the file.

Example Formats:

1. ISO 20022 (Pain.013) XML Example for One-Time Payment:

xml

<Document>

  <CstmrCdtTrfInitn>

    <GrpHdr>

      <MsgId>ONEPAY001</MsgId>

      <CreDtTm>2024-09-15T12:00:00</CreDtTm>

      <NbOfTxs>1</NbOfTxs>

      <CtrlSum>1500.00</CtrlSum>

    </GrpHdr>

    <PmtInf>

      <PmtInfId>PmtInf001</PmtInfId>

      <PmtMtd>TRF</PmtMtd>

      <ReqdExctnDt>2024-09-15</ReqdExctnDt>

      <Dbtr>

        <Nm>Customer Name</Nm>

      </Dbtr>

      <DbtrAcct>

        <Id>

          <IBAN>US1234567890</IBAN>

        </Id>

      </DbtrAcct>

      <Cdtr>

        <Nm>Your Business Name</Nm>

      </Cdtr>

      <CdtrAcct>

        <Id>

          <IBAN>US9876543210</IBAN>

        </Id>

      </CdtrAcct>

      <Amt>

        <InstdAmt Ccy="USD">1500.00</InstdAmt>

      </Amt>

      <RmtInf>

        <Ustrd>Invoice #INV001</Ustrd>

      </RmtInf>

    </PmtInf>

  </CstmrCdtTrfInitn>

</Document>

2. CSV Example for Batch Recurring Payments:

csv

MsgId,DebtorName,DebtorIBAN,CreditorName,CreditorIBAN,Amount,Currency,InvoiceNumber,Frequency,StartDate,EndDate

BATCHPAY001,Customer One,US1234567890,Your Business Name,US9876543210,1500.00,USD,INV001,Monthly,2024-09-15,2025-09-15

BATCHPAY001,Customer Two,US2234567890,Your Business Name,US9876543210,2000.00,USD,INV002,Monthly,2024-09-15,2025-09-15

3. JSON Example for One-Time Payment:

json

{

  "Payment": {

    "MsgId": "ONEPAY001",

    "Debtor": {

      "Name": "Customer One",

      "IBAN": "US1234567890"

    },

    "Creditor": {

      "Name": "Your Business Name",

      "IBAN": "US9876543210"

    },

    "Amount": {

      "Currency": "USD",

      "Value": 1500.00

    },

    "RemittanceInformation": "Invoice INV001"

  }

}

4. Submit the RfP File to Your Business Bank

Once the RfP file is generated in the required format (ISO 20022 XML, CSV, or JSON), you need to submit it to your business bank. The method of submission may depend on whether your bank supports file uploads via a portal or API submissions.

One-Time Payment Submission:

• Log into your business bank's portal that supports FedNow or RTP payments.
• Upload the file (ISO 20022, CSV, JSON) containing the payment request.
• Review the details of the payment to ensure accuracy before submitting.
• Confirm the payment and submit it for processing. The bank will notify the payer, who can then complete the payment through the real-time payment network.

Batch Recurring Payment Submission:

• Log into the bank’s payment portal for FedNow or RTP.
• Upload the batch file containing multiple transactions and, if applicable, the recurring payment schedule.
• Review the batch file and ensure that each recurring transaction is correctly configured.
• Submit the batch for processing. Your bank will handle the scheduling of recurring payments based on the frequency (e.g., monthly) specified in the file.

Alternatively, if your bank supports API-based submissions, you can automate this process by integrating the FedNow or RTP API into your workflow and sending the RfP file programmatically.

5. Monitor Payment Status

• Once the file is submitted, log into your bank’s portal to monitor the status of payments.
• For recurring payments, monitor whether the subsequent scheduled payments are processed on time.
• Real-time notifications from your bank will show when payers respond to the payment requests and complete the transactions.

6. Reconcile Payments in QBO

• After the payments are processed, reconcile the payments in QuickBooks Online. Use SecureQBPlugin to import payment confirmation files from your bank.
• Match payments to the corresponding invoices or transactions within QBO.
• Ensure the payment amounts and other details, such as remittance information, match with the QBO records.

7. Automate Recurring Payment Submissions

If you are regularly sending recurring payments, you can automate the submission process by scheduling exports from SecureQBPlugin and using the bank’s API for automated file uploads. This helps streamline future recurring payments without manual intervention.

Conclusion

With SecureQBPlugin integrated with QuickBooks Online, you can easily export and upload FedNow and Real-Time Payments (RTP) Request for Payment files to your business bank for both one-time and recurring payments. By following the outlined steps, you ensure an efficient and accurate payment process.

Would you like help with any specific integration, mapping, or automation steps?

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.

 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.

Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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% percentage on gross dollar file,

3) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.

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.