RTP® Apply QBO QuickBooks® Customer Surcharging for Products

Biller's login - Hosted Payments Page
Real-Time Payments Gateway


RTP® Apply QBO QuickBooks® Customer Surcharging for Products

At TodayPayments.com, our mission is to equip every business with the ability to accept fast, secure payments while keeping 100% of their revenue. By enabling RTP® surcharging tools and QBO integration, we help merchants modernize their payment processing without giving up control, speed, or compliance.

TodayPayments.com is a pioneer in real-time, fee-transparent payment innovation. Our RTP® Apply QBO Customer Surcharging for Products solution empowers merchants to legally pass real-time transaction fees to customers using a fully hosted, QuickBooks-integrated surcharging engine.

We proudly support small businesses, high-volume merchants, B2B sellers, and professional service providers with smart financial infrastructure that protects profit, ensures compliance, and accelerates cash flow.

 

Empower Your Business with Real-Time Payments and Payer-Funded Fees

Keep Every Dollar by Shifting Real-Time Payment Fees to the Payer

In an age where instant payments are expected, RTP® (Real-Time Payments) offers merchants speed, security, and certainty. But why should your business absorb the processing costs?

With RTP® Apply QBO QuickBooks® Customer Surcharging for Products, you can legally and transparently shift RTP® and Same-Day ACH merchant fees to the customer. Whether you're sending invoices through QuickBooks® QBO, processing MOTO transactions, or billing customers via Auto-Bill Pay, this method lets you keep 100% of your product revenue while still offering fast, flexible payment options.

By leveraging ISO 20022 data messaging, real-time account-to-account (A2A) credit transactions, and hosted checkout logic, this model empowers you to serve your customers without sacrificing your profit.

RTP® Apply QBO QuickBooks® Customer Surcharging allows merchants to pass RTP® or Same-Day ACH fees directly to the payer, while still receiving immediate “Good Funds” settlement. Fully integrated with QuickBooks® Online (QBO), this system supports:

  • Compliant invoicing
  • Recurring billing (Auto-Bill Pay)
  • MOTO (Mail Order / Telephone Order) sales
  • Hosted checkout with surcharge disclosures

It’s perfect for B2B merchants, eCommerce businesses, service providers, and high-ticket product sellers who want to eliminate chargebacks, reduce overhead, and streamline reconciliation.

Hosted Merchant Checkout with Multi-Rail Surcharge Logic

RTP® Apply QBO QuickBooks® Customer Surcharging for Products

On your Hosted Merchant Payments Page, customers can select from multiple payment rails:

  • RTP® Apply QBO QuickBooks® Customer Surcharging for Products
  • RTP® Real-Time Payments
  • FedNow®
  • Same-Day ACH
  • Debit and Credit Cards

If a payer opts out of RTP® or surcharging, the system intelligently redirects them to another payment method, ensuring no abandoned checkouts.

Itemized Attributes, Features & Benefits

ATTRIBUTES

  • Real-Time A2A transactions with “Good Funds” finality
  • Surcharge integration built into QuickBooks® QBO
  • ISO 20022-compatible Request-for-Payment (RfP) messages
  • Legally compliant under federal and most state rules
  • Full compatibility with MOTO, Auto-Bill, POS, and digital billing

FEATURES

  • Customers pay RTP® or Same-Day ACH fees instead of merchants
  • QBO automation for surcharged invoices and reconciliation
  • Hosted Payment Page with surcharge opt-in language
  • POS signage & customer-facing surcharge disclosures
  • Digital RfP billing via text, email, or clickable links
  • Auto-routing if RTP® is declined or unavailable

BENEFITS

  • Enable RTP® Customer Surcharging for Products with QuickBooks® QBO and Instantly Shift Fees to the Customer Legally
  • Let Customers Pay RTP® and ACH Fees While You Receive the Full Product Sale Instantly With No Chargebacks or Reversals
  • Use ISO 20022-Compliant RfP Billing to Deliver Digital Invoices That Include Click-to-Pay Surcharge Terms
  • Offer Real-Time A2A Credit Transactions With Hosted Merchant Payments Pages That Clearly Disclose Surcharges
  • Avoid Merchant Fee Absorption With Smart Routing That Redirects Non-RTP® Customers to FedNow®, ACH, or Card Options
  • Get Paid in Full and On Time While Displaying Surcharges on Invoices, SMS Links, and POS Counter-Stand Signage

By adopting the FedNow® Surcharging method, businesses can:

✅ Pass processing fees to the payer (customer/client) for real-time transactions
✅ Enable instant A2A Credit & Debit transactions via FedNow® and Same-Day ACH
✅ Use POS, MOTO (Mail Order/Telephone Order), Auto-Bill Pay, and invoicing
✅ Ensure compliance with Federal & State regulations for payment processing
✅ Leverage ISO 20022 messaging for structured, automated, and secure payments

With TodayPayments, businesses can accept FedNow® payments instantly—without incurring merchant processing fees.

Federal & State Regulations on FedNow® Surcharging

Ensuring Compliance Across All U.S. Jurisdictions

FedNow® transactions are governed by Federal Reserve regulations, which allow merchant surcharging in accordance with applicable state laws.

  • Credit Card Surcharges Are Regulated by State Law: Some states prohibit credit card surcharges, but FedNow® payments are direct A2A transactions and do not fall under credit card surcharge regulations.
  • Cash Discount Programs Are Legal in All 50 States: FedNow® payments may qualify as an alternative cash discount program, ensuring compliance in all jurisdictions.
  • Federal Compliance: As a federally backed system, FedNow® enables compliant payment processing with transparency and fee disclosure requirements.

Best Practices for FedNow® Surcharge Implementation:
✔ Clearly disclose surcharges before payment processing
✔ Ensure compliance with both state and federal payment regulations
✔ Leverage ISO 20022 messaging for transparent and structured payment requests

Real-Time Payments, Zero Fees — Let Customers Cover the Cost

Modernize Your Payment Strategy Without Compromising Profit

If your business is still absorbing RTP® or ACH fees, it’s time for a change.

With RTP® Apply QBO QuickBooks® Customer Surcharging for Products, you can:
 ✅ Keep 100% of every sale
✅ Let the customer cover the merchant fee
✅ Receive funds instantly via RTP® with “Good Funds” certainty
✅ Automate billing with QBO and hosted checkouts
✅ Ensure legal compliance with visible, opt-in surcharge terms

Stop losing money on real-time payments. Start collecting more — instantly.
Visit https://www.TodayPayments.com to apply for RTP® Customer Surcharging with QuickBooks® QBO and upgrade your business payment strategy today.

 

Why This Model is More Cost-Effective for Businesses

Feature

FedNow® Surcharge Model

Traditional Merchant Fees

Processing Speed

Instant (24/7/365) FedNow® & Same-Day ACH payments

ACH: 1-3 days, Credit Cards: 1-5 days

Merchant Processing Fees

Paid by Payer (Customer/Client)

Absorbed by Merchant

Bank Reconciliation

Automated via ISO 20022 Messaging

Manual reconciliation required

Chargeback & Fraud Risk

Low (FedNow® payments are final and irrevocable)

Higher risk with credit card chargebacks

Customer Payment Experience

Transparent pricing with a disclosed surcharge

Hidden processing costs for merchants

Seamless Integration for Multiple Payment Channels

With TodayPayments' FedNow® integration, businesses can apply surcharges across various payment environments:

Point of Sale (POS): Implement FedNow® surcharges at checkout for in-person transactions.
Mail Order / Telephone Order (MOTO): Apply surcharges for phone-based transactions.
Auto-Bill Pay: Automate recurring payments while passing fees to the payer.
Invoicing & Online Payments: Include an .html payment link with a disclosed surcharge for customers.

How It Works:
✔ Step 1: Business applies a FedNow® surcharge on transactions
✔ Step 2: The customer selects FedNow® as the payment method and sees the surcharge
✔ Step 3: The total transaction amount (including surcharge) is processed instantly
✔ Step 4: Funds are settled immediately, and businesses receive full payment without deductions

This model eliminates hidden processing costs for businesses while giving customers a transparent, real-time payment option.

Ask us How:

"How to implement FedNow® Surcharge for instant A2A transactions"
"Best surcharge model for FedNow® payments in POS, MOTO, Auto-Bill Pay, and invoicing"
"ISO 20022 messaging for compliant, real-time payment reconciliation"
"How businesses can pass payment processing fees to customers using FedNow®"
"Federal and State regulations on surcharging for FedNow® instant payments"

Upgrade to FedNow® Surcharge Payments with TodayPayments. For businesses looking to eliminate payment processing fees, improve cash flow, and accelerate transactions, the FedNow® Surcharge model is the perfect solution.

With TodayPayments, businesses can:
✔ Enable payer-covered processing fees for instant payments
✔ Accept payments across POS, MOTO, Auto-Bill Pay, and invoicing
✔ Provide a real-time, low-cost alternative to credit card transactions
✔ Automate reconciliation and eliminate chargeback risks
✔ Ensure full compliance with Federal and State regulations

Upgrade your payment processing—implement the FedNow® Surcharge model today!

Start Accepting FedNow® Surcharge Payments Now


Contact Us for RTP® Apply QBO QuickBooks® Customer Surcharging for Products payment processing pricing