Positive Pay Pricing

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Our mission is to empower businesses to control cash flow with precision by delivering secure, interoperable, and fully automated Positive Pay Pricing and Request for Payment capabilities that operate in real time across FedNow® and RTP® networks. We position Open Banking Positive Pay as the modern treasury command center for businesses operating across multiple banks and numerous accounts. By unifying FedNow® and RTP® rails with merchant-centric controls, we enable organizations to manage risk, liquidity, and approvals from a single intelligent layer. Our model removes friction between payers and payees while preserving bank-grade controls and audit readiness.

Services for Businesses as Payer and Payee

We are transforming how American businesses protect and accelerate payments by combining Positive Pay discipline with ISO 20022 Request for Payment intelligence. As a full-service real-time payments facilitator, we activate merchant-ready RfP™ infrastructure that works across multiple banks, multiple MIDs, and all 50 states. Our approach delivers real-time visibility, automated A/R intelligence, and Open Banking interoperability that traditional bank-only models cannot match.

Features & Benefits

FedNow® and RTP® instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
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.

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 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!