"Reverse" Positive Pay Request For Payment Accounting FedNow® and RTP®

Reverse Positive Pay RfP™ Using ISO 20022 Messaging

Real-Time Payments with Real-Time Authorization

Our mission is to deliver approval-driven certainty in real-time payments by empowering businesses with interoperable Reverse Positive Pay Request for Payment infrastructure built on ISO 20022 precision and accounting intelligence.

Real-TimePayments.com is a nationwide real-time payments facilitator that activates FedNow® and RTP® merchant processing with Reverse Positive Pay controls, structured ISO 20022 compliance, and multi-bank scalability for businesses of every size

We believe that instant settlement must be paired with disciplined approval. Reverse Positive Pay Request for Payment (RfP™) powered by ISO 20022 messaging ensures that no funds move unless the payer explicitly authorizes the transaction in real time.

As an American accounting fintech merchant processor, we are not a bank; we are a full-service real-time payments facilitator enabling interoperable merchant processing across FedNow® and RTP® networks in all 50 states. We activate multi-bank, multi-MID RfP™ accounts for sole proprietors, multi-division enterprises, and national organizations seeking structured certainty in real-time settlement.

We deploy ISO 20022 PAIN.013 to initiate structured Request for Payment messages and PAIN.014 to capture payer responses including approval, rejection, or status updates. Reverse Positive Pay ensures the bank or payment processor presents digital RfP™ exception lists and only approved transactions are released for funding.

This interoperable framework scales across multi-bank and multi-account environments while preserving centralized oversight and accounting precision.

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 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.

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

Although we are not a bank, we operate 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 structured model accelerates settlement while enhancing transparency, reliability, and approval-driven financial certainty for all parties involved.

✅ FedNow® & RTP® Dashboard Positive Pay worksheet – $25 Starting Monthly.
Online Open Banking FedNow and RTP Dashboard "Reverse" Positive Pay

... 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!