Real-Time Dental Payments and Patient Financing Solutions for Modern Practices
To empower dental offices of all sizes with real-time, no-risk payment infrastructure and patient financing tools—enabling fast, full-fund settlements, automated reconciliation, and seamless integration into daily practice operations with QuickBooks® Online.
TodayPayments.com delivers a complete, dental-first payment solution that includes FedNow® and RTP® real-time payment support, Buy Now Pay Later financing via hosted payment pages, and Request for Payment (RfP™) invoicing—all integrated with QBO QuickBooks® Online. Unlike Stripe, Plaid, or PayPal, we tailor our platform specifically for dental workflows, ensuring full support for large treatment cases, compliance, and operational simplicity.
✅ How to Get Approved for Real-Time Payments with The FedNow® Service, RTP®, Surcharging, and Financing
Getting started is fast and easy:
- Submit your dental business profile and bank info
- Select payment rails: FedNow®, RTP®, ACH, Credit Card (with surcharging), Financing
- Connect your Intuit® QBO QuickBooks® Online for real-time sync
- Start sending RfP™ links, offering financing, and receiving instant, good funds with zero chargebacks
Most dental offices are approved and live within 48 hours.
Accept FedNow®, RTP®, Buy-Now-Pay-Later, and Real-Time Request for Payment (RfP™) with QBO Integration
Why Every Dental Office Needs Real-Time
Payment Options
Dental offices across the U.S. are facing
rising treatment costs, patient affordability challenges, and the
operational burden of chasing payments. Whether you're running a
solo practice or managing a multi-location DSO, getting paid
faster and with certainty is mission-critical.
The best news? Real-time payments via
FedNow® and RTP® are "good funds"—no chargebacks, no reversals, no
waiting.
Even better, platforms like TodayPayments.com
allow you to combine Buy Now Pay Later (BNPL) with these
real-time rails so that your dental office receives 100% of the
treatment cost upfront—while patients enjoy flexible installment
payments.
Whether it’s through
Request for Payment
(RfP™) links, POS terminal payments, or text-to-pay
financing applications, you can now modernize your billing and
elevate the patient experience while improving your bottom line.
What Makes TodayPayments.com the Ideal Platform for Your Dental Office?
1. Payment Rails Included on Your Hosted Merchant Payments Page:
- FedNow® – Real-time push payments, no delays
- RTP® – Real-time good funds, no chargebacks
- ACH & Same-Day ACH – Cost-effective batch settlement
- Credit/Debit Card (with surcharging) – No fees to the dentist
- Buy-Now-Pay-Later (BNPL) via U.S. Bank – Immediate payout to dental office
2. Request for Payment (RfP™) Invoicing for Dental Patients
- Send invoices by SMS, email, or QR code
- Patient clicks link to hosted payment page
- Option to pay in full or select installment financing
- Real-time updates and payment status tracking
- Fully branded to your dental office
3. POS Terminal + In-Office Financing Signage
- Chip, EMV, contactless and mobile wallet acceptance
- Tabletop POS counter display advertising available financing
- Financing agreements easily scanned by QR or link
- Capture digital signature with e-consent terms on mobile
4. QBO QuickBooks® Online Integration + Automated A/R Reconciliation
- Payments auto-posted into QuickBooks®
- Real-time journal entries and ledger updates
- Track aging balances with built-in RfP™ status dashboard
- Reduce manual data entry and billing follow-up
Ask us How:
1. Searching for "real-time dental payment processing with no chargebacks"? TodayPayments.com enables dentists to accept FedNow® and RTP® payments with guaranteed good funds and full integration with QuickBooks® Online.
2. If you're a dentist seeking "patient financing for dental procedures with immediate payout," our Buy Now Pay Later option through hosted payment pages delivers instant funding for your practice while patients pay in installments.
3. Dental offices that want to "send invoices by text or email with payment links" can utilize our ISO 20022-compliant RfP™ tools—perfect for recurring billing, post-treatment payments, and financing offers.
4. Practices comparing Stripe, PayPal, or Plaid will find TodayPayments.com provides more dental-specific tools, including POS-integrated surcharging, alias-based billing, multi-rail fallback, and certified PMS integrations.
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:
- Dental Practices & Healthcare
- 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.
Conclusion for Marketing https://www.TodayPayments.com
It’s time your dental practice stopped
waiting for insurance reimbursements, delayed checks, or
unreliable ACH files.
With TodayPayments.com, you
can:
✅ Accept real-time, good-fund
payments with FedNow® & RTP®
✅ Offer
Buy Now Pay Later financing that pays you instantly
✅ Send Request for Payments (RfP™) via
SMS, email, or QR
✅ Reconcile everything
automatically with QuickBooks® Online
✅ Advertise financing options with countertop signage
and text-to-pay apps
Your patients get the flexibility they want. You get paid in full—today.
👉
Visit
TodayPayments.com to activate your real-time dental
payment solution now.
Fast. Flexible. Built for
Dental.
Key Differences Between todaypayments.com and BNPL
|
Feature |
Patient 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 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
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment (RfP) system to transform how you manage invoices and remittances. Our platform supports diverse data integration options, allowing payees to incorporate detailed invoice data directly within the RfP message or link to a comprehensive Merchant Page.
Flexible Invoice Details with ISO 20022 Messaging:
Leverage the flexibility of ISO 20022 messaging standards in our RfP system. You can choose to display crucial payment details directly in the message with a concise 140-character description, or through a dynamic "Hyper-Link" leading to a detailed Merchant Page. This Merchant Page can be hosted either on your website "Your Website" - Hosted Payments Page or todaypayments.com/HostedPaymentPage.html through our seamless integration solution.
Customizable "Hosted Merchant Payments Page" for Enhanced Customer Experience:
Create a Hosted Merchant Payments Page that not only details all the MIDs you own but also presents these options attractively to your customers through the RfP. This customization ensures that whether your Payer opts for todaypayments.com, Real-Time Payment, Same-Day ACH, or Card transactions, they can easily navigate and complete their payments through a simple click on the hyperlink provided on your Hosted Merchant Payments Page.
Call us today and receive the .csv or .xml FedNow® or Request for Payment (RfP) file you need—all during your very first phone call! We guarantee that our comprehensive reports integrate flawlessly with your bank or credit union. As pioneers in recognizing the benefits of RequestForPayment.com, we have stayed years ahead of our competitors. Although we are not a bank, our role as an "Accounting System" within the Open Banking ecosystem enables us to work with billers to create effective RfP files that seamlessly upload to the biller's online banking platform. U.S. companies rely on our expertise to learn how to deliver the RfP message directly to their bank with precision.
Our advanced solution, Today Payments' ISO 20022 Payment Initiation (PAIN.013), demonstrates how to create a Real-Time Payments Request for Payment file that sends a clear message from the creditor (payee) to its bank. Most financial institutions support the import of messaging and batch files for both FedNow® and Real-Time Payments (RtP), ensuring smooth processing. Once the file is correctly uploaded, the creditor’s bank processes the payment through a secure "Payment Hub"— with "The FedNow Service" serving as the RtP with instant payments Hub—and relays the message to the debtor's (payer's) bank. This streamlined approach not only accelerates transaction processing but also enhances transparency and reliability for all parties involved.
... easily create Instant Payments RfP files. No risk. Test with your bank and delete "test" files before APPROVAL on your Bank's Online Payments Platform. Today Payments is a leader in the evolution of immediate payments. We were years ahead of competitors recognizing the benefits of
Same-Day ACH and Real-Time Payments funding. Our business clients 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.
Contact Us for todaypayments.com payment processing pricing
