powered by Real-TimePayments.com



FedNow® Positive Pay Request For Payment Accounting FedNow® Reverse Positive Pay

Your Financial Institution(s) have to be operational with "Request for Payment" to Send and Pay to use "Real-Time Payments Positive Pay".

Start sending real-time invoices, receiving good funds, and reconciling faster than ever — all powered by America’s premier real-time merchant processor.

Our mission is to deliver approval-driven certainty in real-time payments by empowering businesses with ISO 20022 FedNow Positive Pay Request for Payment infrastructure that prioritizes control, transparency, and accounting accuracy.

Real-TimePayments.com is a full-service real-time payments facilitator that activates FedNow® and RTP® merchant processing nationwide, combining Reverse Positive Pay intelligence with ISO 20022 precision to deliver interoperable certainty across multi-bank environments.

FedNow Positive Pay Request for Payment (RfP™) for Business Payees

Text Mobile Request for Request for Payment Request for Payment RfP™ We operate in a financial environment where speed without control creates risk. That is why we deploy FedNow® Positive Pay Request for Payment (RfP™) infrastructure built on ISO 20022 messaging, ensuring that approval happens before money moves.
As an American accounting fintech merchant processor, we are not a bank, yet we provision banks and credit unions nationwide for FedNow® and RTP® merchant processing. We activate interoperable RfP™ accounts with multiple MIDs across multiple institutions in all 50 states, delivering real-time payments with structured accounting intelligence and payer-approved certainty.

How to Get Approved for Interoperable FedNow® Merchant Processing

• Maintain compliant KYC/KYB documentation
• Provide financial transparency
• Implement fraud monitoring controls
• Maintain operational reserves
• Ensure ISO 20022 compatibility
• Support multi-bank interoperability

Get Approved for FedNow® & RTP® Merchant Processing!

Services for Business as a Payee

FREE Real-Time Payments Bank Reconciliation
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

To support merchants and finance teams of all sizes, TodayPayments.com offers free downloadable templates, including:

  • Aging Accounts Receivable Worksheet: Pre-built with 15, 30, 60, 90+ day tracking
  • Bank Reconciliation Templates: Instantly match payments with deposits across batches
  • ISO 20022 File Format Samples: Plug-and-play structures for batch uploads and RfP™ message testing
FREE Real-Time Payments Bank Reconciliation
✅ "FREE" Real-Time Payments Accounting Pamphlet– with all merchants process with us. Real-Time Payments Bank Reconciliation
FREE QBO Request for Payment
✅ "FREE" QuickBooks® QBO Request for Payment Book – with all merchants process with us. Real-Time Payments Bank Reconciliation

✅ FedNow® & RTP® Dashboard Positive Pay worksheet – Starting at $25 monthly.

We activate merchant RfP™ accounts across FedNow® and RTP® networks with multi-MID and multi-bank capability. We generate ISO 20022 PAIN.013 request files and configure PAIN.014 response workflows for approval-driven accounting.

We deploy Reverse Positive Pay controls where financial institutions provide digital exception lists of Request for Payments and you determine which transactions are approved for settlement.

We integrate aliases, hyperlinks, and QR codes into RfP™ delivery so payment requests can be initiated from email, mobile, or embedded invoice links.

1) Solutions for Accounting, Treasury, and Compliance Teams

We provide a unified dashboard through RequestForPayment.com delivering one approval workflow and one consolidated result: certainty. Our automated A/R reconciliation tools include RfP™ Aging so finance teams track queue time without prematurely recording liabilities.

We ensure digital accounting platforms treat RfP correctly, recognizing that queue does not equal payment, pending does not create a liability, and payer approval is the only financial event.

2) Benefits of FedNow Positive Pay RfP™

Instant 24/7/365 payment processing.
Explicit payer approval before settlement.
Reduced fraud exposure via Reverse Positive Pay.
Improved cash flow forecasting with real-time visibility.
Multi-bank scalability across divisions and subsidiaries.
Structured ISO 20022 audit trails.
Lower operational cost compared to traditional card rails.
Automated reconciliation with aging controls.
Interoperability across FedNow® and RTP® rails.
Enhanced treasury control in high-risk environments.

3) Features Built for Payee Control and Precision

ISO 20022 PAIN.013 Request for Payment messaging.
ISO 20022 PAIN.014 structured approval response.
Reverse Positive Pay exception management.
Cross-border Positive Pay capability where supported.
Multi-MID deployment across multiple banks.
Batch upload via .csv or .xml structured files.
Alias-based payment initiation.
Hyperlink and QR-enabled delivery.

Top 10 Feature-Rich Reasons to Choose Premier FedNow®

  1. Federal Reserve-operated instant payment rail.
  2. ISO 20022-native structured messaging.
  3. Real-time payer approval before settlement.
  4. Reverse Positive Pay fraud mitigation.
  5. Multi-bank and multi-MID scalability.
  6. 24/7/365 settlement availability.
  7. Integrated RfP™ accounting logic.
  8. Alias, hyperlink, and QR-enabled initiation.
  9. Interoperability with RTP® networks.
  10. Designed for sole proprietors through multi-state enterprises.

B2B and C2B RfP™ Parameters, Attributes, Benefits and Features

For B2B and C2B use cases, FedNow Positive Pay RfP™ includes creditor identification, debtor identification or alias, unique message ID, instructed amount and currency, due date, purpose code, remittance information, and response deadline transmitted via ISO 20022 PAIN.013, with PAIN.014 returning structured approval or rejection status. These parameters enable automated exception review, approval-based settlement, audit traceability, fraud mitigation, and precise ledger mapping where only payer approval triggers financial recognition. The framework scales across multi-bank, multi-account environments while preserving centralized accounting intelligence and operational certainty.

Minimum Mandatory ISO 20022 Request for Payment Data Fields

A minimum ISO 20022 RfP requires message identification, creation date and time, creditor name and account, debtor name and account or alias, requested amount and currency, requested execution date, unique end-to-end reference, and structured remittance information. The PAIN.014 response must reference the original message ID and include approval, rejection, or status code with timestamp. These structured fields ensure traceability, interoperability, compliance, and automated reconciliation.

Ask us How:

Businesses searching for how to implement FedNow Positive Pay Request for Payment with ISO 20022 PAIN.013 and PAIN.014 can activate multi-bank interoperable RfP™ processing through Real-TimePayments.com. Companies seeking Reverse Positive Pay accounting controls across FedNow® and RTP® rails can deploy approval-driven real-time settlement infrastructure nationwide. Enterprises looking for multi-MID FedNow® merchant accounts with automated A/R reconciliation and RfP™ Aging gain structured compliance without premature liability recognition. Organizations needing ISO 20022 cross-bank interoperability for B2B and C2B transactions benefit from alias-enabled Request for Payment frameworks with explicit payer authorization.

Conclusion: One Dashboard. One Approval. One Result — Certainty.

We deliver FedNow Positive Pay Request for Payment infrastructure that transforms how money moves between payers and payees. Through ISO 20022 messaging, Reverse Positive Pay controls, and interoperable merchant activation across FedNow® and RTP® networks, we ensure approval equals certainty.

Activate your merchant RfP™ account today at https://www.Real-TimePayments.com and deploy real-time payment intelligence built for control, compliance, and precision.

 Speak With a Real-Time Payment Specialist Now

Whether you’re ready to launch FedNow® & RTP® payments or just exploring options, our team is here to answer your questions and guide you toward the best-fit solution.

Call us now: (866) 927-7180

Or… fill out the quick form below and we’ll contact you within 1 business hour.

Features & Benefits

FedNow® and RTP® instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Payment Money Transfer: Current limit of $10,000,000 ~ FedNow®, $10,000,000 ~ RTP®.
It's Fast: 24/7/365 access to funds anytime vs. several days for paper checks or ACH transfers to process.
Request for Payments ( RfP™ ™): Mobile & Online Real-Time Bill Payments.
It's Final: All Real-Time Payments and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your Management or Enterprise software with us.
! Secrete Sauce ~ Message Detail: RfP™ – The 145-character unstructured field in ISO 20022 XML messages enables merchants to embed invoice numbers, payer notes, or payment links. ~ Call us now for all the Benefits: Pay FedNow, RTP, ACH, Credit Cards .html links!!
Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All parties to a instant payment transaction receive immediately text & email messaging.  The FedNow® and RTP® Systems enables Participants to initiate credit transfers, receive final and irrevocable settlement for credit transfers, and make available to Receivers funds associated with such credit transfers in real-time, twenty-four (24) hours a day, seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit Push" instead of "Debit Pull."

Creation Request for Payment Bank File

Enhance Your Request for Payment using Real-Time Payments 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 145-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 RequestForPayment.com/RfPHostedPaymentPage.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.

Contact us and receive the .csv or .xml FedNow Positive Pay or Request for Payment (RfP™) file you need during your very first call. Our comprehensive reporting integrates directly with your bank or credit union to ensure immediate operational readiness. As early innovators in RequestForPayment.com infrastructure, we remain ahead by delivering structured ISO 20022 files that upload seamlessly into digital banking environments.

Although we are not a bank, we function as an accounting system within the Open Banking ecosystem, working with billers to create precise PAIN.013 Request for Payment files for real-time submission. U.S. companies rely on our expertise to transmit RfP™ messages accurately to their financial institutions, where secure payment hubs process the request and route it to the payer’s bank for immediate decisioning. This structured model accelerates transaction processing while enhancing transparency, reliability, and approval-driven financial certainty.

Request for Payment 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.

Get Approved for FedNow® & RTP® Merchant Processing!

Contact Us for Request For Payment payment processing