QuickBooks ^® FedNow RfP Message Invoicing

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FedNow Request for Payment (RfP) Message through SecureQBPlugin.com for QuickBooks (QBO & QuickBooks Desktop)

The SecureQBPlugin.com enables integration between QuickBooks Online (QBO) and QuickBooks Desktop with FedNow for sending Request for Payment (RfP) messages. These messages can be delivered through Text, Email, and Smartphone using ISO 20022, JSON, CSV, or XML formats, which ensures compatibility with a wide range of platforms and channels.

This process will allow payees using QuickBooks to automatically request payments from their customers (payers) via multiple channels.

1. JSON Format for Integration with QBO/QuickBooks

JSON is the most common format for APIs and apps, making it ideal for mobile app or API-based interactions.

JSON Example Message

{

  "RfPMessage": {

    "header": {

      "messageId": "RFP-789012345",

      "creationDateTime": "2024-01-15T14:30:00Z",

      "messageType": "RFP"

    },

    "payee": {

      "name": "ABC Services Inc.",

      "identifier": "123456789",

      "financialInstitutionId": "BANK12345",

      "contactEmail": "billing@abcservices.com"

    },

    "payer": {

      "name": "John Doe",

      "identifier": "johndoe@example.com",

      "financialInstitutionId": "BANK98765"

    },

    "paymentDetails": {

      "amount": 300.00,

      "currency": "USD",

      "dueDate": "2024-01-25"

    },

    "invoiceDetails": {

      "invoiceNumber": "INV-456789",

      "referenceNote": "Consulting services for December 2023."

    },

    "paymentChannels": {

      "preferredMethod": "FedNow",

      "transactionIds": {

        "FedNow": "FedNow-123456789",

        "RTP": "RTP-987654321",

        "ACH": "ACH-987654321"

      }

    }

  }

}

Integration with SecureQBPlugin.com

• SecureQBPlugin will automatically map the relevant fields from QuickBooks (such as invoiceNumber, amount, dueDate) into the appropriate JSON structure.
• The plugin sends the RfP message via email, text, or app notifications to the payer’s preferred contact channel.

2. XML Format for Email or Enterprise Systems

XML is widely used in B2B communications, making it ideal for integration into enterprise systems or email attachments.

XML Example Message

<RequestForPayment>

  <MessageHeader>

    <MessageId>RFP-789012345</MessageId>

    <CreationDateTime>2024-01-15T14:30:00Z</CreationDateTime>

    <MessageType>RFP</MessageType>

  </MessageHeader>

  <Payee>

    <Name>ABC Services Inc.</Name>

    <Identifier>123456789</Identifier>

    <FinancialInstitutionId>BANK12345</FinancialInstitutionId>

    <ContactEmail>billing@abcservices.com</ContactEmail>

  </Payee>

  <Payer>

    <Name>John Doe</Name>

    <Identifier>johndoe@example.com</Identifier>

    <FinancialInstitutionId>BANK98765</FinancialInstitutionId>

  </Payer>

  <PaymentDetails>

    <Amount>300.00</Amount>

    <Currency>USD</Currency>

    <DueDate>2024-01-25</DueDate>

  </PaymentDetails>

  <InvoiceDetails>

    <InvoiceNumber>INV-456789</InvoiceNumber>

    <ReferenceNote>Consulting services for December 2023.</ReferenceNote>

  </InvoiceDetails>

  <PaymentChannels>

    <PreferredMethod>FedNow</PreferredMethod>

    <FedNowTransactionId>FedNow-123456789</FedNowTransactionId>

    <RTPTransactionId>RTP-987654321</RTPTransactionId>

    <ACHTransactionId>ACH-987654321</ACHTransactionId>

  </PaymentChannels>

</RequestForPayment>

Integration via SecureQBPlugin

• The SecureQBPlugin converts the QuickBooks invoice data into the XML format, attaching the message to an email or embedding it directly into enterprise systems.
• Payees can send RfP emails to customers, which can include a payment link directing them to a portal for completing the transaction via FedNow, RTP, or ACH.

3. CSV Format for Bulk RfP Message Delivery

CSV is commonly used for bulk imports and exports, particularly in spreadsheet tools like Excel. For businesses that need to request payments from multiple customers simultaneously, a CSV file format is ideal.

CSV Example

MessageId,CreationDateTime,PayeeName,PayeeIdentifier,PayeeFinancialInstitutionId,PayerName,PayerIdentifier,PayerFinancialInstitutionId,Amount,Currency,DueDate,InvoiceNumber,ReferenceNote,PreferredMethod,FedNowTransactionId,RTPTransactionId,ACHTransactionId

RFP-789012345,2024-01-15T14:30:00Z,ABC Services Inc.,123456789,BANK12345,John Doe,johndoe@example.com,BANK98765,300.00,USD,2024-01-25,INV-456789,Consulting services for December 2023.,FedNow,FedNow-123456789,RTP-987654321,ACH-987654321

Integration via SecureQBPlugin

• Using SecureQBPlugin, users can export payment request data from QuickBooks into a CSV file.
• CSV files can then be uploaded for batch processing, sending RfPs via email or SMS to multiple customers.

4. ISO 20022 Format for Financial Institutions

ISO 20022 is a global standard used in the financial industry for structured payment messages. Integrating ISO 20022 with QuickBooks via SecureQBPlugin ensures compliance with international banking standards for real-time payments.

ISO 20022 (pain.013.001.07) Example Message

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.013.001.07">

  <CdtTrfTxInf>

    <PmtId>

      <InstrId>RFP-789012345</InstrId>

      <EndToEndId>INV-456789</EndToEndId>

    </PmtId>

    <Amt>

      <InstdAmt Ccy="USD">300.00</InstdAmt>

    </Amt>

    <Cdtr>

      <Nm>ABC Services Inc.</Nm>

      <Id>

        <OrgId>

          <Othr>

            <Id>123456789</Id>

          </Othr>

        </OrgId>

      </Id>

    </Cdtr>

    <CdtrAcct>

      <Id>

        <Othr>

          <Id>BANK12345</Id>

        </Othr>

      </Id>

    </CdtrAcct>

    <Dbtr>

      <Nm>John Doe</Nm>

      <Id>

        <PrvtId>

          <Othr>

            <Id>johndoe@example.com</Id>

          </Othr>

        </PrvtId>

      </Id>

    </Dbtr>

    <DbtrAcct>

      <Id>

        <Othr>

          <Id>BANK98765</Id>

        </Othr>

      </Id>

    </DbtrAcct>

    <RmtInf>

      <Ustrd>Consulting services for December 2023.</Ustrd>

    </RmtInf>

    <PmtTpInf>

      <InstrPrty>NORM</InstrPrty>

      <SvcLvl>

        <Cd>SEPA</Cd>

      </SvcLvl>

    </PmtTpInf>

  </CdtTrfTxInf>

</Document>

Integration via SecureQBPlugin

• SecureQBPlugin supports the transformation of QuickBooks invoice data into ISO 20022 messages.
• Financial institutions can receive these structured messages for FedNow, RTP, or ACH payments directly from QuickBooks.

5. Text Message (SMS) Format

For SMS (text messages), the content needs to be concise and include a link to a payment portal. The SecureQBPlugin will generate the relevant message and include links to complete the payment.

Example SMS Format

ABC Services Inc. requests $300.00 for Invoice #456789. Due: 01/25/2024. Pay now: https://paymentportal.com/RFP-789012345

Conclusion

The SecureQBPlugin.com provides seamless integration between QuickBooks Online (QBO), QuickBooks Desktop, and FedNow, supporting various formats for Request for Payment (RfP) delivery.