Real-Time Payments at the speed of life ™ ~


Why Accept Request for Payment (RfP) Services?

Accept Request for Payment Service – FedNow®, RTP®, and Same-Day ACH Transactions

The Future of Instant & Automated Payment Requests

For businesses and merchants, delays in payment processing can lead to cash flow issues, higher transaction costs, and customer frustration. Traditional invoicing and payment collection methods rely on outdated banking infrastructure, causing slow settlements and increased financial inefficiencies.

Enter Request for Payment (RfP). Powered by ISO 20022 messaging, RfP enables businesses, SMB merchants, and high-risk industries to request and receive instant payments via FedNow®, RTP®, and Same-Day ACH. This ensures faster settlements, improved cash flow, and reduced transaction costs across all banks and credit unions.

With TodayPayments, a premier RTP® processor, merchants can seamlessly integrate RfP via mobile, text, and email with .html linking, allowing both payees and payers to complete transactions instantly. Additionally, RTP® Bill Pay enables real-time vendor and supplier payments for B2B and C2B transactions.

Text Mobile Request for Payment FedNow Request for Payment

Instant Payment Settlements, Lower Costs & Improved Cash Flow

For businesses, delayed payments mean delayed growth. Traditional payment requests rely on paper invoicing, credit card processing delays, and ACH batch transactions that can take days to clear.

Key Benefits of RfP Services for Businesses

✅ Instant Payment Collection – No more waiting for ACH processing
✅ Lower Transaction Fees – Reduce credit card and wire transfer costs
✅ Works Across All Banks & Credit Unions – No third-party restrictions
✅ Eliminates Chargebacks – Payments are final and irreversible
✅ 24/7/365 Payment Availability – Works outside traditional banking hours

Industries That Benefit from RfP Services:
✅ E-commerce & Retail – Instant checkout & supplier payments
✅ Healthcare & Telemedicine – Faster insurance claims & patient billing
✅ Legal & Financial Services – Immediate invoice settlements
✅ Subscription & SaaS Businesses – Automate recurring payments in real time
✅ B2B Enterprises – Bulk payment processing & supplier transactions

Ask us how:

"Accept Request for Payment (RfP) for FedNow®, RTP®, and Same-Day ACH"
"How to integrate RfP services with all banks & credit unions for instant business payments"
"Request for Payments via mobile, text, and email with .html linking in FedNow® & RTP®"
"RTP® Bill Pay for B2B and C2B real-time vendor settlements"
"ISO 20022 messaging for secure and automated RfP payments"

How RfP Works for FedNow®, RTP®, and Same-Day ACH

Seamless Integration with TodayPayments

Request for Payments (RfP) is a powerful tool that enables businesses to send instant payment requests via FedNow®, RTP®, and Same-Day ACH. Customers can approve payments in real time, reducing delayed settlements and increasing efficiency.

How RfP Works:
✔ Step 1 – A business sends an RfP via mobile, text, or email with a .html payment link
✔ Step 2 – The customer or payer clicks the secure link and approves the transaction
✔ Step 3 – The funds are instantly transferred via FedNow®, RTP®, or Same-Day ACH
✔ Step 4 – Transaction records sync in QuickBooks®, ERPs, and accounting systems

Why Businesses Should Use RfP?

✔ Eliminates Payment Delays – Instant processing instead of waiting days for ACH
✔ Reduces Payment Fraud – Secure, ISO 20022-compliant transactions
✔ Frictionless Customer Experience – Easy payment approvals via mobile, text, or email
✔ Works with All Banks & Credit Unions – No third-party gateway restrictions

RTP® Bill Pay – Real-Time Vendor & Supplier Payments

Enhance B2B & C2B Payment Processing with Instant Settlements

RTP® Bill Pay allows businesses to process supplier, vendor, and customer payments in real time, ensuring on-time settlements and eliminating ACH and wire transfer delays.

How RTP® Bill Pay Works:
✔ Step 1 – Business generates an invoice or bill via QuickBooks® or ERP software
✔ Step 2 – The vendor receives a real-time payment notification
✔ Step 3 – The payment is completed instantly through RTP®, with immediate reconciliation
✔ Step 4 – The transaction is recorded with ISO 20022 messaging compliance

Top Benefits of RTP® Bill Pay

✔ 24/7 Real-Time Processing – Never miss a payment deadline again
✔ No Credit Card Fees – Direct bank-to-bank payments reduce costs
✔ Ideal for B2B & C2B Transactions – Automates supplier payments & customer billing
✔ ISO 20022 Messaging – Ensures structured, secure, and automated payment tracking

ISO 20022 Messaging – The Backbone of Request for Payment Services

Why ISO 20022 is Critical for Businesses Using FedNow®, RTP®, and Same-Day ACH

ISO 20022 messaging ensures that all RfP, RTP®, and FedNow® transactions are structured, standardized, and secure.

✔ Automated Payment Reconciliation – Reduces manual data entry errors
✔ Fraud Prevention & Enhanced Security – Protects businesses from unauthorized transactions
✔ Standardized Global Transactions – Works across multiple financial institutions

By adopting ISO 20022-compliant RfP services, businesses can improve financial tracking, regulatory compliance, and operational efficiency.

Accept RfP Payments Today with TodayPayments

Your business deserves faster, more reliable, and lower-cost payment solutions. Whether you're an SMB, enterprise, or high-risk merchant, TodayPayments ensures you can accept real-time RfP transactions through all banks and credit unions.

With TodayPayments, a premier RTP® processor, you get:
✔ Instant Request for Payment services with FedNow®, RTP®, and Same-Day ACH
✔ RfP via mobile, text & email with .html payment links
✔ RTP® Bill Pay for B2B & C2B real-time vendor transactions
✔ Lower processing fees & no chargebacks
✔ ISO 20022-compliant transactions for security & automation

🚀 Upgrade your business to real-time payments today! 🚀

🔗 Start Accepting RfP Payments with TodayPayments

Creation Request for Payment Bank File

Enhance Your 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 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.

Detailed Payment Information and Streamlined Processes:

By adopting ISO 20022 specifications, our system enables you to enrich the RfP messages with customized, detailed information that facilitates more than just transaction efficiency—it optimizes your entire payment and accounting processes. This added detail helps in streamlining operations, reducing errors, and enhancing the payment experience for both payers and payees.

Optimize Your Transaction Process with FedNow and ISO 20022:

Embrace the future of financial transactions by integrating these advanced capabilities into your payment systems. Our solutions not only provide the technical sophistication needed to handle detailed transaction information but also offer the flexibility and user-friendliness necessary to meet the diverse needs of modern businesses and consumers.



Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's. (Payer's) bank.

Creating a "Request for Payment" from a Payee to a Payer using ISO 20022 PAIN.013 message type for both FedNow and Real-time payment services through "Hubs" with banks requires careful consideration of the specific requirements of each payment system involved. While PAIN.013 is typically used for financial institution transfers, it can be adapted for your purpose.

Here's a generalized structure for a PAIN.013 message adapted for your scenario:

Request for Payment
 

You'll need to include specific details relevant to your payment request, such as payment amount, currency, payment due date, payment reference, payer and payee information, etc.

However, the actual structure and content of the message may vary depending on the requirements and specifications of FedNow, Real-time payment services, and the intermediary hubs and banks involved. It's crucial to consult the documentation and standards provided by these systems and entities for the correct message format and content.

 Request for Payment

Easily create Real-Time 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.

Pricing with our Request For Payment Solutions

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1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support


2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Instant Payment Solution system.


Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG


4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.


Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

Contact Us for Request for Payment payment processing