FedNow® Instant Request for Payment (RfP) Across A2A, B2B, B2C, and C2B Transactions
TodayPayments.com provides cutting-edge FedNow® RfP invoicing and payment collection tools that empower businesses to generate, send, and settle instant payments across all transaction types with secure, real-time certainty.
TodayPayments.com is the go-to platform for FedNow® Instant Request for Payment automation. We help merchants, institutions, and platforms manage invoicing, batch uploads, alias routing, and ISO 20022 messaging—ensuring payment certainty, speed, and control across all FedNow® transaction flows.
Eliminate Payment Delays with FedNow® Request for Payment
Instant Request for Payment to Receive and Pay
FedNow® A2A, B2B, B2C, C2B empowers businesses and consumers to
generate and fulfill secure, real-time FedNow® payment requests
across all transaction types, ensuring instant settlement and
payment certainty.
The future of payments is real-time, secure, and data-rich. Businesses and consumers alike are demanding faster, smarter ways to transact. FedNow® Instant Request for Payment (RfP) makes this possible by allowing payees to generate and send secure digital payment requests to any participating financial institution.
Whether you're billing customers, clients, or internal transfers, FedNow® RfP supports A2A, B2B, B2C, and C2B transactions. With instant settlement, alias routing, and ISO 20022 message formats, businesses can request funds and receive Good Funds in seconds—anytime, anywhere.
Real-Time RfP is the New Business Standard
Ask us How
Instant Request for Payment to Receive and Pay FedNow® A2A, B2B, B2C, C2B empowers businesses and consumers to generate and fulfill secure, real-time FedNow® payment requests across all transaction types, ensuring instant settlement and payment certainty.
Using TodayPayments.com, businesses can send alias-based payment requests directly to Payers using mobile numbers, email addresses, or token IDs—without managing sensitive account details. Payers authorize payments in real time, triggering instant Good Funds settlement to the Payee’s account.
Every RfP request follows ISO 20022 rich data messaging standards. This enables seamless reconciliation, accounting integration, and compliance with modern banking regulations. From invoice IDs to remittance fields, every transaction is embedded with traceable metadata.
Whether handling one-time payments or recurring billing, businesses can upload Excel, .XML, or JSON files to trigger hundreds or thousands of requests at scale. Each payment settles in seconds—no weekends, no waiting, no reversals.
FedNow® Parameters
- Network: FedNow® Service (Federal Reserve)
- Settlement: Real-Time (typically <10 seconds)
- Supported Flows: A2A, B2B, B2C, C2B
- Message Type: Request for Payment (RfP)
- Message Standard: ISO 20022
- Batch File Support: Excel (.xlsx), XML, JSON
- Alias Routing: Email, Phone, Token ID
- Availability: 24/7/365
- Fund Finality: Irrevocable, Good Funds Only
FedNow® Attributes
- Structured invoicing using RfP
- Credit-push only, eliminating pull fraud risk
- Mobile-ready alias invoicing
- Batch-uploadable using ISO 20022 rich messaging
- Live status updates for every transaction
- Smart reconciliation with metadata fields
FedNow® Benefits
- Collect funds in real time, reducing AR lag
- Eliminate chargebacks, returns, and NSF fees
- Boost payment compliance and accuracy
- Automate recurring or one-time requests
- Optimize invoicing workflows across teams
- Enable mobile, SMS, and email-based payment prompts
FedNow® Features
- Generate RfP from web dashboard or API
- Alias-based routing (no account # required)
- Support for batch uploads (.xlsx, .xml, .json)
- Custom invoice IDs, due dates, and references
- ISO 20022 enriched message fields
- Instant confirmation of payment receipt
Don’t wait days to get paid. With TodayPayments.com’s FedNow® Instant Request for Payment, you can:
✅ Send secure payment
requests with alias routing
✅ Get paid in
real time with final Good Funds
✅ Upload
batches using Excel, XML, or JSON
✅
Customize your ISO 20022 messages
✅ Automate
reconciliation and reporting
✅ Power
real-time payments across A2A, B2B, B2C, and C2B flows
Visit https://www.TodayPayments.com to activate FedNow® RfP services and collect payments instantly—with certainty, structure, and speed.
Creation Request for Payment Bank File
Enhance Your Instant Request for Payment Payment Requests with FedNow’s ISO 20022 Messaging
Streamline Payments with Advanced Request for Payment Options:
Harness the power of FedNow's Request for Payment 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 Merchant Pages for Enhanced Customer Experience:
Create a Merchant 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 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 Merchant 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 Clearing House serving as the RtP 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 Instant Request for Payment payment processing pricing
