RTP® Instant Request for Payment for A2A, B2B, B2C, and C2B Transactions
TodayPayments.com is a leading platform for businesses adopting real-time payment infrastructure. With a focus on RTP® and ISO 20022 compliance, we offer seamless integration for batch uploads, mobile invoicing, alias routing, and real-time Good Funds payment requests—empowering your organization to scale securely and settle instantly.
TodayPayments.com enables financial institutions and merchants to accelerate revenue collection and streamline digital invoicing using secure RTP® Request for Payment tools—delivering real-time, structured settlement and batch payment automation for modern commerce.
Streamline Every Invoice with Real-Time Payment Certainty
In today’s fast-paced economy, the ability to send and settle payments in real-time is essential. With Real-Time Payments (RTP®) powered by Instant Request for Payment (RfP), businesses and consumers can send, receive, and reconcile transactions in seconds.
Whether you're operating in account-to-account (A2A), business-to-business (B2B), business-to-consumer (B2C), or consumer-to-business (C2B) environments, RTP® provides the speed, certainty, and automation required to eliminate delays, reduce costs, and streamline billing operations with chargeback-free certainty.
Get Paid in Seconds, Not Days
Ask us How:
Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Request for Payment enables businesses and consumers to send and receive secure RTP® payment requests with real-time settlement, streamlining invoicing and ensuring instant, chargeback-free transactions across all payment flows.
RTP® Request for Payment (RfP) delivers structured, real-time payment authorization where the payer approves and sends Good Funds instantly. Every payment is push-initiated—no debits, no fraud, no chargebacks.
With ISO 20022 rich messaging, companies can transmit fully detailed invoice data, allowing for automated reconciliation, reporting, and compliance. Fields such as invoice numbers, due dates, and purpose codes are embedded in every message.
Using TodayPayments.com, businesses can upload payment request batches in Excel, XML, or JSON formats, enabling high-volume real-time transactions for recurring payments, one-time bills, or subscription plans.
With support for alias-based delivery (via SMS, email, or token ID), customers can pay with ease from their mobile banking app, while businesses receive irrevocable settlement confirmations in seconds.
RTP® Parameters
- Payment Network: RTP® by The Clearing House
- Settlement Time: Instant (<10 seconds)
- Supported Payment Types: A2A, B2B, B2C, C2B
- RfP Support: Yes, structured invoice-based messaging
- Batch Upload Formats: Excel (.xlsx), XML, JSON
- Messaging Standard: ISO 20022
- Alias Routing: Phone, Email, Token ID
- Funds Finality: Irrevocable, push-only model
- Availability: 24/7/365
RTP® Attributes
- Instant invoicing with Request for Payment (RfP)
- Alias-enabled payment requests via email, SMS, or app
- Enriched ISO 20022 data fields for reconciliation
- Two-way communication between payer and payee
- Upload structured batches of recurring or one-time invoices
- API-ready and compatible with most ERP/accounting platforms
RTP® Benefits
- Receive Good Funds in real time with zero reversals
- Eliminate chargebacks common with cards and ACH debits
- Improve payment transparency and reduce disputes
- Streamline subscription billing, payroll, and vendor payments
- Automate reconciliation using rich metadata
- Send payment requests via batch uploads or real-time API
RTP® Features
- Instant credit settlement via RfP invoice request
- Support for dynamic payment amounts and scheduling
- Mobile and alias support without account number entry
- Batch file ingestion via Excel, XML, or JSON
- Integrated notification and acknowledgment framework
- ISO 20022 field mapping for payer ID, purpose code, invoice references
Ready to leave behind delayed invoicing and payment uncertainty?
With TodayPayments.com, you can:
✅ Send and receive
real-time RTP® payment requests using RfP
✅
Automate your invoice-to-cash cycle with batch uploads
✅ Use alias-based routing for easier customer
payments
✅ Ensure Good Funds with every
transaction—no chargebacks
✅
Reconcile faster with ISO 20022 structured messaging
Visit https://www.TodayPayments.com today to unlock RTP® Instant Request for Payment and transform how your business gets paid—securely, instantly, and intelligently.
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
