Irrevocable Certainty of Final Payment Without Revocation or Chargebacks
To provide businesses with instant,
irrevocable final payment solutions that eliminate chargebacks, reduce
fraud, and ensure secure, seamless payment authorization across all
digital and in-person channels.
TodayPayments.com empowers
merchants with absolute payment certainty by delivering
non-reversible, chargeback-proof transactions via QuickBooks® QBO
and Elavon’s multi-channel payment gateways. Our platform
transforms payment security from an afterthought into a competitive
edge—by guaranteeing funds with every transaction.
Instant Finality: Secure, Non-Reversible Payments with Zero Disputes
Say Goodbye to Chargebacks, Payment Delays,
and Fraud—For Good.
In a digital payment landscape riddled
with fraud, disputes, and failed settlements, your business needs
more than just a processor—it needs irrevocable certainty.
Today’s leading solution is Final Payment Without Revocation or
Chargebacks: a system that delivers secure, non-reversible
funds instantly. Powered by Elavon’s flexible gateway and
fully integrated with QuickBooks® Online (QBO), your business
gains the power to authorize and receive payments in real
time—online, in-store, or via mobile—with zero fear of disputes
or reversals.
Irrevocable final payments mean that
once a payment is completed, it cannot be revoked or charged back—removing
the risk of customer disputes, fraudulent reversals, or delayed
settlements. This provides businesses with financial certainty
and faster access to funds.
- Ask us How:
“Irrevocable certainty of final payment without revocation or chargebacks guarantees that businesses receive secure, real-time funds instantly, eliminating fraud, payment disputes, and settlement delays.”
Integrated QuickBooks® QBO Receivables for Real-Time Accounting Automation
Our platform connects directly with
QuickBooks® Online, allowing irrevocable payments to sync
instantly with your receivables, general ledger, and financial
reports—reducing manual entry and reconciliation errors.
- Ask us How:
“QuickBooks® QBO integration automates the syncing of irrevocable final payments, providing businesses with real-time accounting visibility, faster reconciliation, and streamlined receivables tracking.”
Omnichannel Gateway by Elavon: In-Person,
Online, and Mobile Payment Certainty
✅ In-Person Payments – Elavon
POS
Use Elavon’s secure point-of-sale terminals
to authorize and finalize card-present transactions with immediate
confirmation and no risk of reversal.
- Ask us How:
“Elavon’s in-store POS systems allow businesses to collect final, irreversible payments from chip, contactless, and mobile-wallet methods—ensuring zero chargeback liability.”
✅ Online Payments – Elavon
Hosted Checkout
Whether you’re an ecommerce veteran or just
getting started, Elavon enables secure online payments with full
PCI compliance and settlement certainty.
- Ask us How:
“Elavon’s hosted checkout solutions help online businesses receive secure, non-reversible payments with tokenized invoicing, fraud protection, and instant settlement capabilities.”
✅ Mobile Payments – Elavon
MobileMerchant
Collect payments on the go using Elavon’s
mobile gateway technology—ideal for field service professionals
and remote teams who need instant, secure payment confirmation.
·
Ask us How:
“Elavon’s
mobile payment app provides real-time, irrevocable settlement for
payments collected via smartphone or tablet—ideal for on-the-go
merchants needing security and speed.”
PARAMETERS, ATTRIBUTES,
BENEFITS & FEATURES
|
Category |
Description |
|
Settlement Time |
Real-time (under 10 seconds) |
|
Reversibility |
Irrevocable – No chargebacks, no
revocation |
|
Integration |
|
|
Elavon Compatibility |
Online, mobile, in-store payment
support |
|
Security |
PCI-DSS compliant, tokenized,
encrypted |
|
Fraud Prevention |
End-to-end authorization + dispute
elimination |
|
Transaction Types |
B2B, B2C, A2A, C2B |
|
Payment Channels |
Hosted checkout, POS terminals,
mobile devices |
|
File Format Support |
ISO 20022, Excel, XML, JSON for batch
uploads |
|
Industry Support |
High-risk, ecommerce, healthcare,
field service, utilities |
Ask us How:
1. Eliminate Revenue Risk with Irrevocable
Final Payment Settlement
“Businesses using irrevocable
payment systems experience zero chargebacks, no settlement holds,
and immediate confirmation of good funds—ideal for ecommerce,
recurring billing, and in-person retail transactions.”
2. Automate Receivables with QuickBooks®
QBO Integration
“By integrating irrevocable final payments
with QuickBooks®, merchants gain real-time visibility into
incoming transactions and automate ledger entries for faster
reconciliation and fewer manual accounting errors.”
3. Omnichannel Payment Gateway Flexibility
via Elavon
“Elavon’s payment gateway supports final payment
certainty across all channels—POS terminals for retail, mobile
apps for service teams, and hosted checkout for ecommerce—making
it easy to operate with payment confidence wherever business
happens.”
Integrating FedNow and Real-Time Payments (RTP) with QuickBooks Online (QBO) provides the significant benefit of irrevocable certainty of final payments, meaning payments cannot be revoked or charged back. Here’s how this feature benefits businesses and how to set it up using SecureQBPlugin.com:
Benefits of Irrevocable Payments
1. Enhanced Security and Trust
- Eliminates Chargebacks: Unlike credit card transactions, payments made through FedNow and RTP cannot be reversed once completed. This eliminates the risk of chargebacks.
- Reduces Fraud: The finality of payments reduces the risk of fraudulent activities, as there is no way for the payer to reclaim the funds once transferred.
2. Improved Cash Flow Management
- Immediate Access to Funds: Funds are available immediately, improving liquidity and cash flow management.
- Predictability: Businesses can rely on the certainty of payments, leading to better financial planning and stability.
3. Operational Efficiency
- Streamlined Reconciliation: Automated reconciliation processes in QBO reduce manual effort and errors.
- Reduced Administrative Overhead: Less time and resources are spent handling disputes and managing chargebacks.
4. Customer Satisfaction
- Transparency: Both parties have clear records of transactions, reducing disputes.
- Instant Confirmation: Immediate payment confirmation enhances the customer experience.
5. Regulatory Compliance
- Adherence to Standards: FedNow and RTP comply with regulatory standards, ensuring secure transactions.
- Clear Audit Trails: Provides a clear audit trail for compliance and reporting.
Integrating FedNow and RTP with QBO Using SecureQBPlugin.com
Step-by-Step Guide
- Setup SecureQBPlugin.com
- Create an Account: Sign up for SecureQBPlugin.com and link it to your QBO account.
- Install the Plugin: Follow the instructions to install and configure the plugin.
- Integrate FedNow and RTP
- Bank Integration: Ensure your bank supports FedNow and RTP for processing payments.
- API Access: Obtain API keys and credentials from your bank or payment hub.
- Generate and Use Invoice Tokens
- Invoice Creation: Create an invoice in QBO as usual.
- Invoice Tokens: Use SecureQBPlugin.com to generate a unique Invoice Token for each invoice, embedding it in the invoice details.
- Send Invoices to Customers
- Invoice Delivery: Send the invoice to your customer via email or customer portal, including the Invoice Token. Optionally, provide a payment link or QR code incorporating the Invoice Token for easy access.
- Customer Payment Process
- Receive Invoice: The customer receives the invoice with the Invoice Token.
- Initiate Payment: The customer uses their bank’s portal, supporting FedNow or RTP, to make a payment using the Invoice Token.
- Instant Payment Processing: The bank processes the payment instantly through FedNow or RTP.
- Reconciliation and Reporting in QBO
- Real-Time Updates: SecureQBPlugin.com updates QBO in real-time when payments are made using the Invoice Token, marking the invoice as “Paid.”
- Automated Reconciliation: QBO reconciles the payment with the corresponding invoice using the Invoice Token.
- Reporting: Generate real-time reports in QBO to track payments made using Invoice Tokens, ensuring compliance with state and federal regulations.
Example Workflow
- Create Invoice:
- Generate an invoice in QBO.
- SecureQBPlugin.com generates a unique Invoice Token and embeds it in the invoice.
- Send Invoice:
- Send the invoice to the customer with the Invoice Token included.
- Customer Payment:
- The customer uses the Invoice Token to make a payment through their bank’s portal supporting FedNow and RTP.
- Instant Processing:
- The payment is processed instantly, and funds are transferred.
- Automatic Reconciliation:
- QBO updates the invoice status to “Paid” and reconciles the payment using the Invoice Token.
By integrating FedNow and RTP with QBO through SecureQBPlugin.com, businesses can fully leverage the benefits of irrevocable payments, enhancing security, efficiency, and customer satisfaction. This integration not only streamlines the payment process but also provides certainty and reliability in financial transactions, significantly improving operational efficiency and financial management.
Get Paid Instantly. Keep It Forever. No
Chargebacks. No Disputes.
At TodayPayments.com,
we give your business the power to receive secure, irrevocable
final payments across every channel. Backed by QuickBooks®
integration and Elavon’s advanced payment technology,
you never have to fear a chargeback or settlement delay again.
✅ Secure in-store, online, and
mobile payments
✅ Real-time syncing with
QuickBooks® QBO
✅ Fraud prevention
and no payment reversals
✅ ISO 20022 batch uploads
for bulk processing
✅ Irrevocable, real-time
settlement guaranteed
Whether you’re in retail, ecommerce,
services, or high-risk industries—your revenue deserves finality.
Visit
https://www.TodayPayments.com to activate Irrevocable
Final Payment Without Chargebacks today and protect every
dollar your business earns.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000 ~ FedNow, $10,000,000 ~ RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs.
several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient
and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured
Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All
parties to a instant payment transaction receive immediately
text & email messaging.
The
FedNow and RTP Systems enables Participants to initiate credit transfers,
receive final and irrevocable settlement for credit transfers,
and make available to Receivers funds associated with such
credit transfers in real-time, twenty-four (24) hours a day,
seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit
Push" instead of "Debit Pull."
Creation Request for Payment Bank File
Call us, the .csv and or .xml FedNow or 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) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a 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 continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
... easily create Real-Time Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform.
Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH
and Real-Time Payments funding. Our business clients receive faster
availability of funds on deposited items and instant notification of
items presented for deposit all based on real-time activity.
Dedicated to providing superior customer service and
industry-leading technology.
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 .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting files 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% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Irrevocable Payments 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Real-time Payments processing
