Just-In-Time Payment Powered by FedNow®, RTP® & Inventory Management
To empower businesses with real-time,
Just-In-Time payment technology using FedNow®, RTP®, inventory signals,
and integrated accounting—optimizing cash flow and automating
procurement at the speed of supply chain demands.
TodayPayments.com leading next
generation of payment intelligence platforms by coupling
real-time transaction rails like FedNow® and RTP® with
inventory-driven payment automation. Our solution positions businesses
to cut holding costs, eliminate payment delays, and synchronize finance
with operations using QuickBooks® and Elavon gateway infrastructure.
What Is Just-In-Time Payment — and Why It Transforms Business Efficiency
Real-Time Payments Meet Real-Time
Inventory—A Just-In-Time Financial Revolution
Today’s most
agile businesses demand precision—not only in operations but in
financial movement. With Just-In-Time Payment powered by
inventory data, you can now align FedNow® and RTP® real-time
payments with supply chain triggers, ensuring vendors are paid
the moment inventory is needed, not a moment before. This reduces
cash tied up in holding costs, improves working capital, and
automates both procurement and payments. Paired with Elavon’s
omni-channel gateway and QuickBooks® QBO integration,
TodayPayments.com delivers a first-of-its-kind solution for
real-time, inventory-based cash flow control.
Just-In-Time (JIT) Payments are
financial transactions triggered by inventory thresholds or
real-time order events. Using FedNow® and RTP®, these
payments are executed instantly and irreversibly, ensuring
that suppliers are paid exactly when stock is needed, not earlier.
This optimizes cash flow and reduces unnecessary warehousing
expenses.
- Ask us How:
“Just-In-Time Payment using inventory management data with FedNow® and RTP® enables real-time vendor payments that reduce holding costs, eliminate payment delays, and improve operational cash flow.”
Just In Time Payment is an exciting new real-time, fun and shiny service offering all banks and credit unions brought about by the Faster Payments Initiative of the US Federal Reserve banks providing payments that are instant, final (Consumer cannot ChargeBack) and secure. Businesses and Individuals will be using, instant Real-Time Bill Pay, via Request for Payments.
Definition: FedNow ™ instant payments are real-time payments: FedNow - Federal Reserve instant payments. Financial institution’s customer-facing systems for services like bill payment, cash management, peer-to-peer (P2P) payments, and emergency disbursements. Messages such as request for pay, request to pay, payment confirmations, and remittance detail are used to create frictionless customer-facing interactions.
QuickBooks® QBO Integration for Automated Payment Reconciliation
Through QuickBooks® integration,
Just-In-Time Payments are automatically recorded, reconciled, and
linked to inventory and invoice data. This allows businesses to
align procurement, finance, and accounting in one cohesive workflow.
- Ask us How:
“QuickBooks® QBO integration automates Just-In-Time Payments with inventory-based triggers, allowing businesses to reconcile real-time payments instantly and match them with financial and supply chain records.”
Elavon Payment Gateway for In-Person,
Online & Mobile Flexibility
✅ In-Person Payments – Elavon
POS
Use Elavon terminals to initiate instant
FedNow® or RTP® payments at the warehouse, retail counter, or
service site—triggered by inventory pickup or transfer.
- Ask us How:
“Elavon’s in-person payment gateways enable real-time supplier payments at physical locations using FedNow® or RTP®, triggered by just-in-time procurement events.”
✅ Online Payments – Ecommerce
& Supplier Portals
Authorize real-time payments through Elavon’s
hosted checkout or supplier portals integrated with your ERP or
procurement software.
- Ask us How:
“Elavon’s online gateways allow B2B ecommerce businesses to automate supplier payments based on inventory levels, using RTP® and FedNow® with API and ISO 20022 compatibility.”
✅ Mobile Payments –
Field-Based Payment Triggers
Empower field workers or service teams to
trigger supplier payments via mobile when parts or materials are
needed—instantly and securely.
- Ask us How:
“Mobile teams using Elavon can authorize real-time FedNow® and RTP® payments on the go, aligned with field inventory and operational demands.”
JUST-IN-TIME PAYMENTS — PARAMETERS,
ATTRIBUTES, BENEFITS & FEATURES
|
Feature |
Description |
|
Payment Rails |
FedNow®, RTP® |
|
Settlement Speed |
Real-time (under 10 seconds) |
|
Finality |
Irrevocable – No chargebacks |
|
Trigger Mechanism |
Inventory levels, reorder points,
sales orders |
|
Integration |
QuickBooks® QBO, ERP, Elavon Gateway |
|
Security |
PCI-DSS, ISO 20022, tokenized data |
|
Payment Channels |
Online, in-store, mobile |
|
Batch/Single Support |
One-time or bulk via Excel, XML, JSON |
|
Industries Served |
Manufacturing, eCommerce, Logistics,
Auto, Retail, Food Supply |
|
RfP Messaging |
Supported for pre-approval and
invoicing requests |
Ask us How:
1. Align Finance with Operations Using
Just-In-Time Payment
“By using Just-In-Time Payment with
FedNow® and RTP®, businesses align financial disbursements with
inventory movements, ensuring capital is only spent when goods are
truly needed—reducing inventory carrying costs and boosting
liquidity.”
2. QuickBooks® QBO Integration for Smart
Financial Tracking
“Each real-time Just-In-Time Payment is
automatically recorded in QuickBooks® Online, providing finance
teams with accurate, up-to-date reporting that reflects supply
chain actions and operational efficiency.”
3. Omnichannel Payments Powered by Elavon
“Elavon’s gateways allow Just-In-Time Payments to be executed from
any channel—POS, mobile, or online—and integrate seamlessly with
supplier platforms, shopping carts, and inventory systems.”
FedNow and Real-Time Payments (RTP) systems offer the immediate transfer of funds, providing recipients with access to "good funds" in real-time. Here's how it works:
1. Immediate Availability: When a payment is initiated through FedNow or RTP, the funds are transferred instantly from the sender's account to the recipient's account.
2. Certainty of Funds: Unlike traditional payment methods where there might be delays in processing and settlement, FedNow and RTP ensure that the funds are available to the recipient immediately upon completion of the transaction.
3. Finality of Payments: Once a payment is made through FedNow or RTP, it is final and irrevocable. This means that the recipient can rely on the funds being available immediately without any risk of the payment being reversed or canceled.
4. Use Cases: The immediate availability of funds through FedNow and RTP enables a wide range of use cases, including person-to-person payments, bill payments, payroll, business-to-business transactions, and more. It is particularly beneficial for scenarios where instant access to funds is crucial.
5. Enhanced Cash Flow: Businesses and individuals benefit from improved cash flow management as they can access funds instantly, allowing for faster settlement of transactions and better liquidity management.
6. 24/7 Availability: FedNow and RTP operate 24/7, allowing payments to be initiated and processed at any time, including weekends and holidays. This provides flexibility and convenience for users who need to make or receive payments outside of traditional banking hours.
Overall, the immediate availability of funds through FedNow and RTP ensures efficient and secure payment processing, enabling faster and more reliable transactions for businesses and individuals alike.
CONCLUSION TO MARKET
https://www.TodayPayments.com
Move Smarter. Pay Faster. Hold Less.
At TodayPayments.com, we help you automate Just-In-Time
Payments by integrating real-time payment rails (FedNow®, RTP®)
with your inventory system, QuickBooks® QBO, and Elavon
gateway. That means no more overstocking, no more delayed
payments, and no more lost efficiency.
✅ Trigger payments based on
real-time inventory
✅ Pay vendors instantly with
good funds
✅ Eliminate holding costs and delays
✅ Sync with QBO and automate your financials
✅ Process payments from online, mobile, or in-store
Be lean. Be fast. Be precise.
Visit
https://www.TodayPayments.com to activate
Just-In-Time Payment automation and take control of your cash
flow today.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000 ~ FedNow, $10,000,000 ~ RTP.
It's Fast: 24/7/365 access to funds anytime vs.
several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient
and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured
Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All
parties to a instant payment transaction receive immediately
text & email messaging.
The
FedNow and RTP Systems enables Participants to initiate credit transfers,
receive final and irrevocable settlement for credit transfers,
and make available to Receivers funds associated with such
credit transfers in real-time, twenty-four (24) hours a day,
seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit
Push" instead of "Debit Pull."
About Just In Time Payment
Today Payments is a leader in the evolution of instant instant payments. We own Real-Time Payments. We were years ahead of competitors recognizing the benefits of Same-Day ACH funding through Same-Day Direct Deposits (ACH Push) and Same-Day Direct Payments (ACH Pull). Our customers 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. Our platform hub with its tools / widgets help organizations of all sizes reduce transaction costs, mitigate risk and increase efficiencies. Our system ensures proper Authentication, Authorization, Verification, Settlement, Notifications and Postings.
Today Payments
...continues to meet the challenge of our clients by offering cost effective "good funds", real-time, instant, credit card, ACH and e-invoice payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments. Today Payments' FedNow Instant Merchant Services gives your company choices in the method of faster payments that you can accept from your customers.
Our payment processing platform is designed for simplicity and ease-of-use.
SecureQB Cloud payment processing integration for QuickBooks ® give you the Best transaction detail information, real-time, with matching error-proof through QuickBooks.
Process with the Just In Time Payment Professionals
- Automation of Accounts Receivable Collection with Instant Settlement & Deposit
- Automation of Accounts Payable Payments with Instant Settlement & Deposit
- One-Time & Recurring Debits & Credits with Instant Settlement & Deposit
Each day, thousands of businesses around the country are turning their transactions into profit with instant payment solutions like ours.
Contact Us for Just In Time Payment payment processing
