A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.