RTP® Positive Pay Request For Payment Accounting FedNow® and RTP® Reverse 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 empower businesses with approval-driven real-time payment infrastructure that delivers certainty, interoperability, and accounting precision through RTP® Positive Pay and ISO 20022 structured messaging.
Real-TimePayments.com is a full-service real-time payments facilitator that activates interoperable RTP® and FedNow® merchant processing nationwide, combining Positive Pay intelligence with structured ISO 20022 compliance to deliver multi-bank certainty and scalable treasury control.
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!
Understanding Request for Payment (RfP™)
Approval-Driven Control in Real-Time Payment
Networks
We operate in a financial ecosystem where
instant settlement must be paired with disciplined authorization.
RTP® Positive Pay Request for Payment (RfP™) powered by ISO 20022
messaging ensures that approval precedes settlement and certainty
replaces assumption.
As an American accounting fintech merchant
processor, we are not a bank; we are a strategic enabler of
interoperable real-time payments across RTP® and FedNow® networks.
We activate merchant RfP™ accounts with multiple MIDs across
multiple banks and credit unions in all 50 states, delivering
structured accounting intelligence with real-time payer
authorization at the center of every transaction.
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!
B2B and C2B RfP™ Parameters, Attributes, Benefits and Features
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
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 Accounting Pamphlet– with all merchants process with us.
✅ "FREE" QuickBooks® QBO Request for Payment Book – with all merchants process with us.
✅ FedNow® & RTP® Dashboard Positive Pay worksheet – Starting at $25 monthly.
RTP® Positive Pay Request for Payment (RfP™) with ISO 20022 Messaging
We deploy ISO 20022 PAIN.013 to initiate structured Request for Payment messages and PAIN.014 to capture the payer’s formal approval, rejection, or status response. RTP® Positive Pay introduces explicit authorization controls, ensuring that no funds move unless the payer confirms the request in real time.
Our infrastructure supports B2B, C2B, and cross-border Positive Pay environments while scaling across multi-bank and multi-account architectures with centralized oversight.
1) Services for Business as a Payee
We activate RTP® Positive Pay RfP™ merchant accounts with multi-MID provisioning across participating financial institutions. We configure structured PAIN.013 request files and PAIN.014 response handling, enabling precise approval workflows with full traceability.
We integrate aliases, hyperlinks, and QR-enabled payment initiation so requests can be delivered anytime, anywhere, across digital channels.
2) Solutions for Treasury and Accounting Precision
We provide a unified dashboard through RequestForPayment.com delivering one approval workflow and one outcome: certainty. Reverse Positive Pay functionality allows daily digital review of RfP™ exception lists so payers explicitly select which transactions are approved for settlement.
Our automated A/R reconciliation tools include RfP™ Aging so finance teams track pending requests without recording premature liabilities.
3) Benefits of RTP® Positive Pay RfP™
24/7/365 real-time settlement capability.
Explicit payer authorization before funds movement.
Reduced
fraud exposure through controlled exception workflows.
Multi-bank and multi-MID scalability.
Structured ISO 20022
audit traceability.
Lower processing costs compared to
traditional card networks.
Improved cash forecasting and
treasury visibility.
Cross-network interoperability with
FedNow®.
Automated reconciliation aligned with approval-based
accounting.
Enhanced financial transparency for high-risk and
complex environments.
4) Features Built for Modern Payees
ISO 20022 PAIN.013 Request message
generation.
ISO 20022 PAIN.014 structured approval response
processing.
RTP® Positive Pay exception management controls.
Batch upload capability via .csv or .xml structured files.
Alias, hyperlink, and QR code request delivery.
Multi-division
and subsidiary MID support.
Centralized dashboard monitoring.
Interoperable routing across real-time payment networks.
Top 10 Feature-Rich Reasons to Choose Premier RTP®
- Established real-time payment rail with nationwide reach.
- ISO 20022-native structured messaging framework.
- Explicit payer approval before settlement.
- Positive Pay and Reverse Positive Pay fraud mitigation.
- Multi-bank and multi-MID scalability.
- 24/7/365 settlement availability.
- Structured remittance and audit traceability.
- Alias, hyperlink, and QR-enabled request delivery.
- Automated A/R reconciliation with RfP™ Aging.
- Interoperability with FedNow® for expanded routing flexibility.
B2B and C2B RfP™ Parameters, Attributes, Benefits and Features
For B2B and C2B transactions, RTP® Positive Pay RfP™ includes creditor identification, debtor identification or alias, unique message ID, instructed amount and currency, requested execution date, purpose code, structured remittance information, and response deadline transmitted through ISO 20022 PAIN.013, with PAIN.014 returning approval, rejection, or status tied to the original reference. These structured attributes support explicit authorization before settlement, fraud mitigation through exception review, automated reconciliation, full audit traceability, and precise ledger mapping where only payer approval triggers financial recognition. The architecture scales seamlessly across multi-bank, multi-account, and multi-division environments while preserving centralized treasury oversight.
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 details, debtor name and account or alias, instructed amount and currency, requested execution date, end-to-end reference, and remittance information. The PAIN.014 response must reference the original message ID and include structured approval or rejection status with timestamp. These data elements ensure interoperability, compliance, audit traceability, and automated reconciliation.
Ask us How:
Businesses searching for RTP® Positive Pay Request for Payment with ISO 20022 PAIN.013 and PAIN.014 can activate multi-bank interoperable merchant processing through Real-TimePayments.com. Companies seeking approval-driven real-time settlement across RTP® and FedNow® networks gain structured Reverse Positive Pay accounting intelligence nationwide. Enterprises implementing automated A/R reconciliation with RfP™ Aging and explicit payer authorization benefit from ISO 20022 compliance and scalable treasury control. Organizations needing multi-MID RTP® merchant accounts with cross-network interoperability can deploy alias-enabled Request for Payment frameworks with full audit traceability.
Conclusion: One Dashboard. One Approval. One Result — Certainty.
We deliver RTP® Positive Pay Request for Payment infrastructure designed for approval, control, and structured certainty. Through ISO 20022 messaging, interoperable network activation, and scalable multi-bank provisioning, we ensure real-time payment precision for businesses nationwide.
Activate your merchant RfP™ account today at https://www.Real-TimePayments.com and deploy real-time payment intelligence built for transparency, interoperability, and accounting integrity.
Speak With a Real-Time Payment Specialist NowWhether 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:
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 today and receive the .csv or .xml RTP® Positive Pay or Request for Payment (RfP™) file you require during your very first call. Our comprehensive reports integrate seamlessly 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 directly into digital banking platforms.
Although we are not a bank, we function as an accounting system within the Open Banking ecosystem, collaborating with billers to generate 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 authorization. This streamlined model accelerates settlement while enhancing transparency, reliability, and approval-driven financial certainty 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.
Contact Us for Request For Payment payment processing
