Real-Time Payments Gateway


Top Reasons to Choose Real-Time Patient Payment Solutions for Your Dental Practice


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To deliver a modern, affordable, and fully integrated dental payment system that supports real-time payments through The FedNow® Service and RTP®, credit card surcharging with no fees to the dentist, U.S. Bank patient financing for large dental bills, and fully automated reconciliation into Intuit® QBO QuickBooks® Online with Request for Payment (RfP™) invoicing tools and aging dashboards.

TodayPayments.com, in partnership with Strictly|Dental and integrated with over 10 ISO 13485-certified patient management systems (PMS), delivers the most complete real-time dental payment platform in the industry. Unlike Stripe, Plaid, or PayPal, our solution is purpose-built for dental practices. We combine compliant card surcharging, real-time FedNow® and RTP® payments, U.S. Bank financing, and RfP™ invoicing in one seamless platform—fully synced with QBO QuickBooks® Online and designed to accelerate collections, reduce costs, and improve patient experiences.

FedNow®, RTP®, Credit Card Surcharging, U.S. Bank Financing, and QBO Integration Made Easy

Text Mobile Request for Real-Time Payment

✅ Using Intuit® QBO QuickBooks® Online:

How to Get Approved for Real-Time Payments with The FedNow® Service and RTP®, Credit Cards, Surcharging, and More

Get started in just 3 easy steps:

  1. Complete your application with EIN, provider info, and banking details
  2. Select desired services: Credit Card Surcharging, FedNow®, RTP®, ACH, and U.S. Bank Patient Financing
  3. Integrate with QBO QuickBooks® Online and activate RfP™ invoicing for same-day go-live

You'll get:
✅ Final good funds instantly (no chargebacks)
✅ Real-time reconciliation
✅ Automated patient billing with alias or QR invoicing
✅ Better margins and happier patients

Ask us how with Intuit® QBO QuickBooks® Online Using Real-Time Payments

1. Dental offices using Intuit® QBO QuickBooks® Online can now collect faster and reconcile smarter by combining real-time FedNow® and RTP® payments with RfP™ invoicing and automated AR updates.

2. Unlike Stripe, Plaid, and PayPal, TodayPayments.com integrates real-time payment rails directly into QBO, giving dental practices complete control of payment flow, reconciliation, and ledger accuracy across multi-provider locations.

3. Real-time payments eliminate delays, manual invoice matching, and costly third-party processors—while aligning clinical, billing, and scheduling systems under ISO 13485-certified dental PMS platforms.

4. Whether patients choose to pay via credit card, text link, QR code, or U.S. Bank financing, your practice benefits from immediate funds, transparent reporting, and real-time sync with QuickBooks®—all from one dental-optimized merchant system.

The Future of Dental Payments Is Real-Time, Automated, and Seamlessly Integrated

Text Mobile Request for Real-Time Payment

Top Feature-Rich Reasons to Choose TodayPayments.com for In-Office Dental Payments

1) Services: Real-Time Payments + Credit Surcharging + Patient Financing

  • Accept credit card payments with legal surcharging—no processing fees for your practice
  • Offer U.S. Bank-backed financing for large procedures like implants, ortho, and full-mouth restorations
  • Accept FedNow® and RTP® instant payments with final, irrevocable settlement and no chargebacks
  • Support debit, HSA, FSA, and ACH options at the point of care
  • Eliminate patient affordability barriers with pay-over-time options and instant payment alternatives

2) Solutions: Total Real-Time Payment Ecosystem + QBO Integration

  • In-office terminals (EMV, contactless, handheld) and text-to-pay, QR code, mobile wallet options
  • RequestForPayment.com Dashboard for recurring, scheduled, and one-off payments
  • Hosted patient payment links and alias-based invoicing—no routing or account number exposure
  • Instant reconciliation into QBO QuickBooks® Online with AR ledger sync
  • RfP™ tracking and reminders integrated across multi-provider, multi-location dental groups

3) Benefits: Built for Both Patients and Dentists

  • Patients: Flexibility to pay how and when they prefer—card, mobile, bank, or financing
  • Dentists: Eliminate merchant fees, reduce AR days, and automate reconciliation
  • FedNow® and RTP® deliver good funds instantly, with no chargebacks
  • RfP™ tools reduce manual billing labor and improve payment collection predictability
  • Increased treatment acceptance and faster case approvals with U.S. Bank financing integration

4) Features: Designed for Real-Time Clinical + Financial Efficiency

  • Automated A/R aging with Request for Payment (RfP™) built-in
  • Intuit® QBO QuickBooks® Online integration for real-time invoice/payment sync
  • QR codes, text-to-pay, and email invoicing for mobile-first patient experiences
  • Imaging-to-billing workflows via ISO 13485 PMS integration for seamless diagnostics and communication
  • Multichannel payment acceptance (in-office, mobile, desktop, dashboard) with real-time visibility

Ask us how with Intuit® QBO QuickBooks® Online Using Real-Time Payments

1. Dental offices using Intuit® QBO QuickBooks® Online can now collect faster and reconcile smarter by combining real-time FedNow® and RTP® payments with RfP™ invoicing and automated AR updates.

2. Unlike Stripe, Plaid, and PayPal, TodayPayments.com integrates real-time payment rails directly into QBO, giving dental practices complete control of payment flow, reconciliation, and ledger accuracy across multi-provider locations.

3. Real-time payments eliminate delays, manual invoice matching, and costly third-party processors—while aligning clinical, billing, and scheduling systems under ISO 13485-certified dental PMS platforms.

4. Whether patients choose to pay via credit card, text link, QR code, or U.S. Bank financing, your practice benefits from immediate funds, transparent reporting, and real-time sync with QuickBooks®—all from one dental-optimized merchant system.


Automated A/R Reconciliation with Request for Payment (RfP™) + Real-Time Rails

Component

Functionality

Request for Payment

Alias, QR, text/email invoicing with real-time settlement tracking

RfP™ Aging Dashboard

Real-time status updates, reminder automation, and reconciliation triggers

FedNow®/RTP® Support

Instant, good-fund payments with irrevocable clearing—no chargebacks

QBO Sync

Auto-posts journal entries, closes invoices, and reconciles patient payments

Financing Integration

Soft-check, patient-friendly financing from U.S. Bank, embedded in payment flow


Conclusion to Marketing and Branding to https://www.TodayPayments.com

Real-time payment success starts here.
TodayPayments.com gives your dental practice the competitive edge with:
✅ Zero-fee card payments via surcharging
✅ Real-time settlements through FedNow® and RTP®
✅ Instant U.S. Bank financing for large cases
✅ Automated Request for Payment (RfP™) tools with aging visibility
✅ Intuit® QBO QuickBooks® Online sync with no manual entry

With partnerships across Strictly|Dental and 10+ ISO 13485-certified PMS platforms, we offer the only merchant solution tailored for real-time dental payments.

👉 Visit www.TodayPayments.com today and activate your real-time dental payment processing.
Smart payments. Fast funds. Built for your dental future.

Creation Request for Payment Bank File

Enhance Your todaypayments.com using Real-Time Payments Requests with FedNow’s ISO 20022 Messaging

Streamline Payments with Advanced Request for Payment Options:

Harness the power of FedNow's Request for Payment system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.

Flexible Invoice Details with ISO 20022 Messaging:

Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page or todaypayments.com/HostedPaymentPage.html through our seamless integration solution.

Customizable Merchant Pages for Enhanced Customer Experience:

Create a Merchant Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your payer opts for Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Merchant Page.

Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.

Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"—with The Clearing House serving as the RtP Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.

Request for Payment

... 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.


Contact Us for Request For Payment payment processing