RTP® Real-Time Payments Request For Payment
What is RTP® Real-Time Payments Request For Payment
RTP® Real-Time Payments Request For Payment is the modern way to send and receive money instantly—whether you’re managing a national franchise, a small business, or multiple subsidiaries across the U.S. With a single platform, you can connect to both the RTP® network and FedNow® Service to enable Request for Payments (RfPs) that settle in real time.
We offer every U.S. merchant multiple Merchant Identification Numbers (MIDs) linked to aliases like cell phone numbers and email addresses, instead of full financial details—allowing secure payments across multiple financial institutions.
Real-Time Payments Built for Simplicity and Scale
Speed is critical, but accessibility is everything. That’s why we’ve removed the traditional bank barriers that delay or deny merchant access to real-time payments.
With RTP® Real-Time Payments Request For Payment, you don’t need to visit a bank or fill out excessive paperwork. Enroll online, 24/7, and link all your accounts across multiple banks and credit unions in all 50 states. Use aliases like mobile numbers or email addresses to route payments instantly—without exposing your full financial information.
Our hosted payment pages support ISO 20022-compliant RfPs, making it easy to insert secure links into invoices, texts, and emails for fast, frictionless payment requests.
Benefits and Features of RTP® Real-Time Payments Request For Payment
Alias-Based MID Support for Every Identity
Assign unique MIDs to each of your cell phone numbers or email
addresses—whether you're working with one bank or 10. We can
support over 100+ alias-based MIDs per business.
Hosted Payment Pages Embedded in Every RfP
Our system lets you generate clickable payment links inside ISO
20022-formatted Request for Payment (RfP) messages, perfect
for mobile billing, email invoicing, or text-to-pay scenarios.
No Bank Visit. Less Paperwork. No Problem.
Apply online 24/7, instantly. We’re not a bank—we’re a U.S.-based
accounting fintech merchant processor. You’ll never have to step
foot in a bank to apply.
QuickBooks® QBO Integration
Your
accountant or treasurer can sync payments directly into
QuickBooks® Online, with real-time reconciliation and
downloadable treasury reports.
Support for All Merchant Types and
Industries
Whether you're a Sole Proprietor, LLC, S-Corp, C
Corporation, or Schedule C filer, we’ll get you processing
instantly. High-risk merchants are welcome.
Accept All Payment Types
We support
POS, MOTO, retail, wholesale, and invoicing via text, email, or
mobile—with instant reporting and customer tracking.
Multi-Bank, Multi-State, Multi-Division
Compatible
Use our platform to manage payments from
multiple financial institutions for all your business
entities, branches, or subsidiaries.
Batch Uploads, Recurring Billing &
Reconciliation
Upload payment batches, process recurring
debits, or reconcile payments in real-time—all from your secure
dashboard.
What Makes TodayPayments.com a Premier Real-Time Payments Provider?
1. QuickBooks® QBO integration for
seamless accounting
2. Merchant accounts for both RTP®
and FedNow® networks
3. Alias-based MID support for over
100 email and phone IDs
4. Hosted payment pages built
into ISO 20022 RfP messages
5. Multi-bank, multi-entity,
50-state coverage for all business types
6. Instant
onboarding—no bank visit required
7. All merchant types
and industries accepted, including high-risk
8. Free
reconciliation reporting for your bookkeeper or CFO
RTP Real-Time Payments Request For Payment can be used by US businesses in various situations where they need to request payment from customers or business partners.
Here are some examples:
Invoice payment: Businesses can use RTP Request For Payment to request payment from customers who have outstanding invoices. By sending payment requests via RTP, businesses can expedite the payment process and improve cash flow.
Subscription or membership fees: Businesses that offer subscriptions or memberships can use RTP Request For Payment to request payment from their customers on a recurring basis. This can be done automatically using a payment management system that integrates with RTP.
Pre-payment or deposit: Businesses that require pre-payment or deposits from their customers can use RTP Request For Payment to request payment in advance. This can help reduce the risk of non-payment and ensure that funds are available before delivering goods or services.
One-time payment: Businesses can use RTP Request For Payment to request one-time payments from customers for goods or services. This can be useful for businesses that do not have a regular billing cycle or for businesses that want to offer a convenient payment option to their customers.
Payment reminders: Businesses can use RTP Request For Payment to send payment reminders to customers who have overdue payments. This can help reduce the risk of late payments and improve cash flow.
Upgrade to Real-Time at TodayPayments.com
If your payments are still moving at ACH speed, you're losing time, cash flow, and customer confidence.
With RTP® Real-Time Payments Request For Payment, your business gets:
✅ Instant transactions via
FedNow® and RTP®
✅ Secure alias-based MIDs tied to
mobile or email
✅ Hosted payment links built into
ISO 20022 RfP messages
✅ Full support for every
merchant type and payment method
✅ Integration
with QuickBooks® QBO for real-time reconciliation
✅ Nationwide support across multiple banks and credit
unions
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000 ~ 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 RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
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
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.
... 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.
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.
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 RTP Real-Time Payments Request For Payment 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
