RequestForPayment™ Payer UX Forms / Screens

Smart Phone + HTML mockup demo with full payer journey, ISO 20022 messaging, multi-bank payment selection, paid-state routing, alternative payment systems, and SecureQBPlugin reconciliation for QBO QuickBooks®.

RequestForPayment™

Payer Mobile Demo

Role: Administrator

3 Banks Linked

Login / Role Selection

Secure Access

Role-based access controls determine which approvals, accounts, and reconciliation features are visible to the payer.

1. Receive ISO 20022 pain.013

New RfP™

Payee Name

Northshore Medical Supply LLC

Invoice Number

INV-10488

Requested Amount

$18,420.00

Issue Date

Apr 6, 2026

Due Date

Apr 6, 2026 · 4:00 PM

Payee Alias

billing@northshoremed.com

Purchase Order

PO-22291

Digital RfP™ Description

Shipment of medical equipment and supplies with same-day release requested after authorization and good-funds confirmation.

Line Items

• Imaging accessories — $9,200.00

• Sterile kit refill — $6,420.00

• Freight / handling — $2,800.00

{
  "messageType": "pain.013",
  "messageId": "MSG-981245",
  "payeeName": "Northshore Medical Supply LLC",
  "payeeAlias": "billing@northshoremed.com",
  "invoiceNumber": "INV-10488",
  "purchaseOrder": "PO-22291",
  "requestedAmount": 18420.00,
  "currency": "USD",
  "issueDate": "2026-04-06",
  "dueDateTime": "2026-04-06T16:00:00Z",
  "description": "Medical equipment shipment",
  "status": "PENDING"
}

2. Queue — Current RfP™s

5 Open

Northshore Medical Supply LLC

INV-10488 · Due today · FedNow® eligible

$18,420.00

Pending Approval

Vertex Logistics LLC

INV-22011 · RTP® eligible

$7,880.15

Review Queue

Cloud ERP Partners

INV-88713 · Approval chain required

$24,900.00

Controller Approved

Premier Cardiology Devices

INV-77320 · Limit exceeded

$112,000.00

Escalated

Metro Packaging Co.

INV-55412 · Awaiting payer action

$2,445.00

Open

Positive Pay queue logic: nothing is debited merely because an RfP™ exists in queue. The payer’s final action controls authorization.

3. Which Bank Will Pay the RfP

pain.014 Setup

Pacific Treasury Bank

Acct ••••1842 · Routing 121000248

$2,480,000

Selected

Meridian Commercial CU

Acct ••••9901 · Routing 322271627

$815,400

Available

Summit National Bank

Acct ••••5501 · Routing 026009593

$5,204,800

Available

Routing decision: FedNow® selected because the account is eligible, within limits, and optimized for fastest settlement. RTP® is also available for qualified transactions.

4. Paid — Settlement and Alternatives

Funds Authorized

Authorized Amount

$18,420.00

Primary Rail

FedNow®

Alternative Rail

RTP®

Transfer Message

pacs.008

Debtor Account

Pacific Treasury Bank ••••1842

Status

Paid

Alternative Payment Systems

ACH

Credit Card

Wire

Customer Financing

These alternatives can be shown when FedNow® or RTP® is unavailable, when payer policy prefers another rail, or when the merchant offers financing options.

{
  "messageType": "pacs.008",
  "paymentStatus": "SETTLED",
  "settlementRail": "FedNow",
  "alternativeRails": ["RTP", "ACH", "Credit Card", "Wire", "Customer Financing"],
  "debtorName": "ACME Dental Group",
  "debtorAccount": "Pacific Treasury Bank ••••1842",
  "creditorName": "Northshore Medical Supply LLC",
  "instructedAmount": 18420.00,
  "currency": "USD",
  "settlementDateTime": "2026-04-06T10:00:00Z"
}

5. Reconciliation into SecureQBPlugin + QBO QuickBooks®

Auto Sync

Posting Summary

Sync Status

Posted Successfully

Connector

SecureQBPlugin

Target System

QBO QuickBooks®

GL Mapping

Accounts Payable

Matched

Unmatched

Reconciliation Detail

INV-10488 was matched to the vendor master, linked to the payment execution record, and posted back to QuickBooks® for downstream reporting, exception handling, and audit support.

6. Complete ISO 20022 pain.014

Ready to Send

RfP ID

RFP-2026-004812

Payer Action

APPROVE

Approved Amount

$18,420.00

Selected Bank

Pacific Treasury Bank

Debtor Account

Acct ••••1842

Execution Rail

FedNow®

Payer completion checklist

• Verify payee and invoice details

• Confirm amount or partial-pay amount

• Select funding bank account

• Confirm rail preference or fallback

• Authorize response for settlement

{
  "messageType": "pain.014",
  "rfpId": "RFP-2026-004812",
  "messageId": "RESP-2026-11001",
  "payerAction": "APPROVE",
  "approvedAmount": 18420.00,
  "currency": "USD",
  "debtorName": "ACME Dental Group",
  "debtorAccount": "Pacific Treasury Bank ••••1842",
  "creditorName": "Northshore Medical Supply LLC",
  "invoiceNumber": "INV-10488",
  "responseDateTime": "2026-04-06T10:00:00Z",
  "status": "AUTHORIZED_FOR_SETTLEMENT"
}

Full HTML Page Viewer

This demo combines the payer’s mobile control experience with the operational and infrastructure layers required to ingest RfP™s, authorize payment, execute settlement, and reconcile into accounting.

API Layer

POST /api/rfp/create         // ingest pain.013
POST /api/rfp/respond        // create pain.014 response
POST /api/payment/execute    // handoff for settlement / pacs.008
POST /api/reconcile/qbo      // push to SecureQBPlugin and QBO
GET  /api/rfp/queue          // list all current RfP™s
GET  /api/accounts           // payer bank accounts
GET  /api/payment/options    // FedNow®, RTP®, ACH, card, wire, financing

Database Layer

rfp_transactions
rfp_invoice_headers
rfp_invoice_line_items
payer_users
approval_actions
bank_accounts
payment_options
payment_executions
qbo_reconciliation_logs
audit_logs

End-to-End Architecture Flow

pain.013 from payee → digital RfP™ invoice display → payer queue with decision controls → payer selects bank and authorizes through pain.014 → paid-state execution via FedNow® or RTP® with pacs.008 → optional fallback to ACH, Credit Card, Wire, or Customer Financing → SecureQBPlugin reconciliation into QBO QuickBooks® → audit trail and reporting.