QuickBooks ^® Request for Payment File Format

• ~ 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 Instant Payments, ACH, and Real-Time Payments (RTP) Request for Payment file formats into QuickBooks Online (QBO) through the https://SecureQBPlugin.com platform, you need to follow a process that ensures proper file formatting, installation of the plugin, and integration with QuickBooks Online. SecureQBPlugin.com is a service that allows businesses to securely integrate third-party payment systems into QBO.

Here’s how to proceed with uploading your payment files using SecureQBPlugin:

1. Set Up SecureQBPlugin for QuickBooks Online

Step 1: Install the SecureQBPlugin

1. Visit SecureQBPlugin.com and follow the instructions to download and install the plugin. Make sure to choose the version compatible with QuickBooks Online (QBO).
2. After installation, connect the plugin to your QuickBooks Online account:
   • Log in to QBO.
   • Authorize the SecureQBPlugin to access your QuickBooks data via its OAuth-based connection process.

Step 2: Configure Payment Types (FedNow, ACH, RTP)

Once the plugin is installed, configure the payment options available for your business:

1. Navigate to the Payments Settings in the SecureQBPlugin dashboard.
2. Enable support for ACH, FedNow, and Real-Time Payments (RTP).
   • Ensure the plugin is connected to your payment gateway or bank that supports these payment methods.
   • If needed, add API keys and credentials for your payment provider (e.g., Plaid, Dwolla, Finix Payments) to link them with SecureQBPlugin.

2. Prepare Request for Payment (RfP) Files for Upload

You need to ensure that your ACH, FedNow, and RTP Request for Payment (RfP) files are in the correct format (NACHA or ISO 20022 XML).

A. ACH Payments (NACHA Format)

1. Prepare ACH Payment Data:
   • Collect payer details, bank account numbers, routing numbers, and payment amounts.
2. Generate NACHA File:
   • Use an accounting software tool (like QBO) or a third-party service to create a NACHA file. The NACHA file will contain all ACH payment instructions.
   • If you're using a payment gateway like Plaid or Dwolla, they may automatically generate the NACHA file for you.

B. FedNow and RTP Payments (ISO 20022 XML Format)

1. Prepare FedNow/RTP Payment Data:
   • Gather payment details such as the payer’s bank details, payment amounts, and remittance information.
2. Generate ISO 20022 XML File:
   • If you are using a third-party payment processor (e.g., Finix Payments, Volante Technologies), they will generate the ISO 20022 XML file.
   • Alternatively, you can create the XML file using any financial software that supports the ISO 20022 standard.

3. Upload the Payment Files via SecureQBPlugin

Step 1: Log In to SecureQBPlugin

• Log in to SecureQBPlugin after installing it and connecting it to your QuickBooks Online account.

Step 2: Navigate to File Upload Section

• In the SecureQBPlugin dashboard, look for the File Upload section.
• Select the payment type you are uploading:
  • ACH (for NACHA file uploads).
  • FedNow (for ISO 20022 XML).
  • RTP (for ISO 20022 XML).

Step 3: Upload the Payment File

1. Upload ACH (NACHA) File:
   • Click on Upload ACH File.
   • Browse for the NACHA file generated earlier and upload it.
2. Upload FedNow and RTP (ISO 20022 XML) File:
   • For FedNow or RTP payments, select Upload ISO 20022 XML File.
   • Browse for the ISO 20022 XML file and upload it to the SecureQBPlugin platform.

Step 4: File Validation

• After uploading the file, the system will automatically validate the file format (NACHA for ACH, ISO 20022 for FedNow/RTP).
• If there are any errors in the file, the system will alert you, and you may need to correct the file before re-uploading.

4. Review and Submit Payment Requests

Step 1: Review Uploaded File

• Once the file is uploaded, review the details in the SecureQBPlugin dashboard:
  • Verify the number of payments, payer details, and payment amounts.

Step 2: Submit for Processing

• After verifying the file, submit the payment requests for processing. SecureQBPlugin will handle the integration with your bank or payment gateway and initiate the payment process (ACH, FedNow, or RTP).

5. Monitor Payment Status

• After submitting the payment requests, you can monitor the payment status through the SecureQBPlugin dashboard.
• For FedNow and RTP, payments will process in real time, and the status will update immediately.
• For ACH, payments may take 1–2 business days to process.

6. Sync Payments with QuickBooks Online

SecureQBPlugin will automatically sync the payment status with QuickBooks Online, marking invoices as Paid once the payment is completed. The transaction details will also be logged in your QuickBooks account for record-keeping and reconciliation.

Conclusion

Using SecureQBPlugin, you can securely upload ACH, FedNow, and Real-Time Payments (RTP) Request for Payment files into QuickBooks Online. The plugin handles the file validation, submission, and real-time payment status updates while ensuring that QuickBooks stays updated with all the payment data. Ensure that your payment files are properly formatted in NACHA for ACH or ISO 20022 XML for FedNow/RTP before uploading them into SecureQBPlugin.

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.