RTP® Apply QBO QuickBooks® Customer Financing for Products | Instant Payments with Installment Options

Let Customers Pay Over Time While You Get Paid Instantly

Attributes, Features, and Benefits

RTP® Apply QBO QuickBooks® Customer Financing for Products

ATTRIBUTES

Instant payout to merchant despite customer paying in installments
Real-Time A2A (account-to-account) “Good Funds” payments
Fully integrated into QuickBooks® QBO for invoicing and reconciliation
ISO 20022-compliant Request-for-Payment (RfP) invoicing
Hosted checkout with surcharge and rail-disclosure logic
Works across POS, digital, and recurring billing channels

FEATURES

Buy-Now-Pay-Later & Customer Financing built into checkout
Hosted Merchant Payments Page with rail selection
RfP Billing via SMS, Email, or QR with Click-to-Pay functionality
POS Counter-Stand Signage and printed financing agreements
Terms and Conditions with digital acceptance (eSign via hyperlink)
Fallback Payment Rail Options: FedNow®, ACH, Cards

BENEFITS

Let Customers Pay in Installments While You Receive Full Upfront Payment Through RTP® Apply QBO QuickBooks® Customer Financing for Products
Offer Flexible Financing Options via Buy-Now-Pay-Later While Protecting Cash Flow Using Real-Time RTP® Transfers
Enable QuickBooks® QBO Invoicing with RfP Billing and Real-Time Financing Options Through Hosted Payment Pages
Avoid Chargebacks and Ensure Instant, Irrevocable Payments with ISO 20022 “Good Funds” Real-Time Messaging Standards
Convert More Sales with On-Site POS Displays Offering Customer Financing That’s Fast, Transparent, and Digitally Approved
Deliver Hosted Checkout Links via SMS or Email That Include Terms, Finance Options, and Automated Payment Routing

Customer Financing: The Smart Payment Option for High-Value Transactions

What Is Customer Financing?

Customer Financing is a payment solution that allows customers to buy now and pay over time through structured monthly installments. Offered either in-house or through third-party providers, this option helps businesses close bigger sales without the customer needing to pay the full amount upfront.

Popular industries using Customer Financing include:

Healthcare & Dental Practices
Home Improvement Services (HVAC, Roofing, Remodeling)
Furniture & Appliance Retailers
Legal Services
High-Ticket Ecommerce

Whether it's 6 months or 60 months, the flexibility creates instant affordability without reducing the merchant's revenue.

Key Benefits of Customer Financing for Merchants

Increased Sales and Conversions

Customers are more likely to say yes when they can break payments into affordable chunks. Offering financing can increase conversions by up to 20–30% on high-ticket items.

Higher Average Order Value (AOV)

When customers can stretch payments, they tend to spend more. Businesses often see a 30-50% lift in AOV when financing options are promoted.

Immediate Payout with Zero Risk

Most third-party lenders pay the merchant upfront, assuming all consumer repayment risk. That means you get paid in full even if the customer pays over time.

Broader Customer Base

Financing makes your product or service accessible to a wider range of credit scores. Many platforms support near-prime and subprime borrowers without adding complexity to your workflow.

Seamless Integration with Checkout

Financing can be embedded into your online or in-person checkout process. Platforms like TodayPayments.com offer plug-and-play options that integrate with POS systems, ecommerce platforms, and mobile invoicing.

Benefits of Customer Financing for Consumers

✅ Affordable Monthly Payments – Customers can budget effectively.
✅ Fast Pre-Approval Process – Often approved in seconds with minimal documentation.
✅ Access to Essential Services – Like medical procedures, legal help, or emergency home repairs.
✅ Improved Credit Score – Timely payments can boost a customer’s credit profile (depending on the lender).
✅ Flexible Repayment Terms – Ranging from short-term plans to extended 60-month programs.

Offer Financing. Get Paid Today. No Risk.

Modernize Your Checkout and Protect Your Profit Margins

Why wait to get paid or carry the risk of customer financing?

With RTP® Apply QBO QuickBooks® Customer Financing for Products, you can:
✅ Offer BNPL or Customer Financing on every sale
✅ Receive instant “Good Funds” payments via RTP®
✅ Reduce chargebacks and funding delays to zero
✅ Automate invoicing and billing directly from QuickBooks® QBO
✅ Use hosted checkout pages, SMS links, or POS signage for activation

It’s the smartest way to offer flexibility without giving up financial control.

Visit https://www.TodayPayments.com to activate your RTP® Customer Financing for Products account and start converting more sales with instant cash flow today.

Feature	Customer Financing	Buy Now, Pay Later (BNPL)
Definition	Traditional or third-party financing that lets customers pay over time, often with interest	Short-term installment plan, typically interest-free over 4 payments
Duration	Medium to long-term (6 to 60+ months)	Short-term (usually 4-6 weeks)
Loan Size	Typically $500 – $50,000+	Usually $50 – $2,000
Interest	Often has interest rates (depending on creditworthiness)	Often interest-free if paid on time
Credit Check	Typically requires a hard or soft credit check	Usually only soft credit check or none
Provider Type	We provide Banks or Fintechs	We provide Fintechs or BNPL companies
Use Case	Big-ticket items like furniture, home improvement, or elective medical	Everyday items, fashion, cosmetics, electronics
Merchant Cost	Higher transaction fees than traditional card payments	Lower fees per transaction but frequent repeat usage
Risk for Merchant	Lower risk—financing company takes on default risk	BNPL provider assumes customer risk
Approval Rate	Lower approval rate; based on creditworthiness	Higher approval rate; minimal credit barriers
Customer Experience	Structured, formal application process	Seamless, near-instant approval at checkout
Regulation	Heavily regulated as consumer credit	Loosely regulated (but increasing scrutiny globally)

Summary in Plain English:

BNPL is like a micro-loan split into 4 easy payments—usually interest-free and approved in seconds at checkout.
Customer Financing is more like a traditional loan—used for bigger purchases, often with interest, and involves a formal application process.

Which is Better for Merchants?

Use BNPL if:

You sell fast-moving, consumer goods under $2,000
Your shoppers are younger or credit-averse
You want higher conversions and lower cart abandonment

Use Customer Financing if:

You sell high-ticket services (e.g., dental, HVAC, elective surgery)
You want to offer 6-60 month repayment terms
You work with customers who need longer payback options

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