What Are Irrevocable Final Payments—and Why They Matter

Say Goodbye to Payment Delays, Disputes, and Chargebacks—For Good
In an economy where speed, security, and certainty define success, businesses can no longer afford delayed deposits, chargeback disputes, or revoked payments. With Irrevocable Certainty of Final Payments, your business receives guaranteed, non-reversible funds in real-time, empowering you to deliver confidently, scale faster, and manage receivables without friction. Seamlessly integrated with QuickBooks® QBO and powered by Elavon’s industry-leading payment gateways, you can now authorize and receive payments online, in-store, or via mobile—backed by full payment finality.

Irrevocable final payments mean that once funds are transferred, they cannot be reversed, canceled, or disputed. This reduces fraud, chargebacks, and revenue uncertainty for businesses processing online, mobile, or in-person transactions.

  • Ask us How:
    “Irrevocable final payments ensure that businesses receive guaranteed, good funds in real-time—eliminating chargebacks, authorization risks, and payment reversals across all transaction channels.”
 

"Our Integrated payment solutions can save a typical small business owner more than 180 hours each year"
QuickBooks Pro Software QuickBooks Accounting Software Image
  • ~ 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.

Integrated QuickBooks® QBO Receivables Management

Sync your irrevocable payments directly with QuickBooks® Online (QBO) to automate receivables, maintain accurate books, and reconcile transactions instantly—no matter where the payment was made.

  • Ask us How:
    “Integrated with QuickBooks® QBO, irrevocable payments flow directly into your accounting system, helping businesses streamline receivables, reduce reconciliation time, and maintain accurate financial records in real time.”

Elavon-Powered Gateway for Online, In-Store, and Mobile Payment Finality

Elavon delivers fast, secure, and flexible payment acceptance across all business environments. Whether you're processing card-present transactions at a point-of-sale terminal or mobile payments in the field, Elavon supports irrevocable settlement backed by robust encryption and compliance.

Payments in Person – Elavon

Transform your physical checkout with contactless, chip, or tap-to-pay capabilities using Elavon's smart POS systems.

  • Ask us How:
    “Elavon enables businesses to accept in-person payments using chip cards, contactless wallets, and tap-to-pay methods with real-time settlement and non-reversible fund guarantees.”

Payments Online – Elavon

Expand ecommerce capabilities with SSL-protected checkout pages, tokenized storage, and recurring billing options.

  • Ask us How:
    “Elavon’s online payment gateway integrates with shopping platforms like WooCommerce and Shopify to provide secure, non-reversible transaction settlement for ecommerce businesses.”

Mobile Payments – Elavon

Accept payments on the go via mobile readers and the Elavon MobileMerchant app, offering flexibility and speed with real-time settlement.

  • Ask us How:
    “Elavon’s mobile payment solution gives service providers and field-based businesses the ability to accept secure, final payments from smartphones or tablets—anywhere, anytime.”

PARAMETERS, ATTRIBUTES, BENEFITS & FEATURES

Feature Category

Description

Settlement Type

Real-time, irrevocable payment finality

Integration

Seamless with QuickBooks® Online (QBO)

Payment Methods

In-person, online, mobile

Channels

Web checkout, POS, mobile readers

Security Compliance

PCI-DSS, encryption, tokenization

Chargeback Risk

Zero—non-reversible payments

Elavon Platform

Multi-channel, global-ready infrastructure

Shopping Cart Support

WooCommerce, BigCommerce, Shopify, etc.

Customer UX

Hosted checkout, click-to-pay, mobile-ready

Batch Support

ISO 20022 messaging, API access for reporting


Ask us How:

1. Eliminate Revenue Loss from Reversals and Chargebacks
“With irrevocable final payment capabilities, your business receives non-reversible funds instantly—giving you complete protection against chargebacks, fraud, or late authorization, ensuring full confidence in every transaction.”

2. Scale Your Business with Real-Time Accounting and Settlement
“By combining QuickBooks® integration and Elavon’s payment technology, merchants can track, reconcile, and record irrevocable transactions automatically—streamlining growth without manual intervention.”

3. Future-Proof Your Checkout Experience
“Elavon supports omnichannel payments—letting your customers pay anywhere while ensuring you receive final, settled funds in real time. Whether on a phone, at a register, or from your website—every transaction is instant and permanent.”


Benefit of Irrevocable Certainty of Final Payments Using FedNow and RTP Integrated with QuickBooks Online via SecureQBPlugin.com

Irrevocable Certainty of Final Payments

Irrevocable payments, once made, cannot be reversed or contested. This characteristic provides significant advantages for businesses, especially when integrated with QuickBooks Online (QBO) through SecureQBPlugin.com.

Key Benefits:

  1. Enhanced Security and Trust:
    • Risk Mitigation: Eliminates the risk of fraud and chargebacks, which are prevalent in traditional payment methods.
    • Reliability: Both payers and payees can trust that once a payment is processed, it is final and cannot be contested.
  1. Improved Cash Flow Management:
    • Immediate Fund Availability: Funds are available instantly once the payment is processed, improving liquidity.
    • Financial Predictability: Businesses can manage their finances confidently, knowing that payments will not be reversed.
  1. Operational Efficiency:
    • Reduced Administrative Overhead: Fewer resources are needed to handle disputes or chargebacks, saving time and money.
    • Streamlined Accounting Processes: Automated reconciliation in QBO becomes more efficient, reducing errors and enhancing accuracy.
  1. Customer Satisfaction:
    • Clear Transaction Records: Provides clear, unambiguous transaction records, reducing disputes and enhancing transparency.
    • Instant Confirmation: Immediate payment confirmation improves the overall customer experience.
  1. Regulatory Compliance:
    • Adherence to Standards: FedNow and RTP comply with stringent regulatory standards, ensuring the security of payment systems.
    • Clear Audit Trails: Provides clear audit trails for compliance and reporting requirements.

Integrating with QuickBooks Online Using SecureQBPlugin.com

SecureQBPlugin.com can help you leverage the benefits of irrevocable payments through FedNow and RTP within QBO. Here's how to do it:

1. Set Up SecureQBPlugin.com

  • Account Creation: Sign up for SecureQBPlugin.com and link your QBO account.
  • Plugin Installation: Follow the instructions to install and configure the plugin on your system.

2. Integrate FedNow and RTP

  • Bank Integration: Ensure your bank supports FedNow and RTP and can handle irrevocable transactions.
  • API Access: Obtain API keys and necessary credentials from your bank or payment hub that supports FedNow and RTP.

3. Generate and Use Invoice Tokens

  • Invoice Creation: Create an invoice in QBO as usual.
  • Invoice Tokens: Use SecureQBPlugin.com to generate a unique Invoice Token for each invoice, embedding it in the invoice details.

4. Send Invoices to Customers

  • Invoice Delivery: Send the invoice to your customer via email or through a customer portal, including the Invoice Token. Optionally, provide a payment link or QR code incorporating the Invoice Token for easy access.

5. Customer Payment Process

  • Receive Invoice: The customer receives the invoice with the Invoice Token included.
  • Initiate Payment: The customer uses their bank’s portal, supporting FedNow or RTP, to make a payment using the Invoice Token.
  • Instant Payment Processing: The bank processes the payment instantly through FedNow or RTP.

6. Reconciliation and Reporting in QBO

  • Real-Time Updates: SecureQBPlugin.com updates QBO in real-time when payments are made using the Invoice Token, automatically marking the invoice as “Paid.”
  • Automated Reconciliation: QBO reconciles the payment with the corresponding invoice using the Invoice Token.
  • Reporting: Generate real-time reports in QBO to track payments made using Invoice Tokens, ensuring compliance with state and federal regulations.

Example Workflow

  1. Create Invoice:
    • Generate an invoice in QBO.
    • SecureQBPlugin.com generates a unique Invoice Token and embeds it in the invoice.
  1. Send Invoice:
    • Send the invoice to the customer with the Invoice Token included.
  1. Customer Payment:
    • The customer uses the Invoice Token to make a payment through their bank’s portal supporting FedNow and RTP.
  1. Instant Processing:
    • The payment is processed instantly, and funds are transferred.
  1. Automatic Reconciliation:
    • QBO updates the invoice status to “Paid” and reconciles the payment using the Invoice Token.

By integrating FedNow and RTP with QBO through SecureQBPlugin.com, businesses can enjoy the benefits of irrevocable payments, enhancing security, efficiency, and customer satisfaction. This setup not only streamlines the payment process but also provides certainty and reliability in financial transactions, significantly improving operational efficiency and financial management.


Get Paid with Certainty—Every Time, Everywhere
TodayPayments.com gives your business the power to receive real-time, irrevocable final payments across every payment channel—whether online, in-store, or mobile. Paired with QuickBooks® QBO automation and Elavon’s secure infrastructure, your business gains payment finality, zero chargebacks, and total control over receivables.

Imagine never having to worry about payment disputes again.
Imagine cash flow that’s instant, accurate, and reliable.
Imagine every sale being permanent from the moment it’s made.

Visit https://www.TodayPayments.com to activate your Irrevocable Final Payments solution. Protect your revenue, speed up collections, and elevate your financial future—starting now.

Request for Payment

Text Mobile Request for Payment Call us, the .csv, text messaging 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.

Pricing with our Request For Payment Professionals
hand shake

 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. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods 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) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Irrevocable Payment system.

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.

Start using our FedNow Real-Time Payments Bank Reconciliation:

FedNow Bank Reconciliation

 Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds


Give Us A Call

(866) 927-7180


Apply NOW

Stop Going to Your Bank to Deposit Checks!