RTP® Instant Request Payment for Real-Time A2A, B2B, B2C, C2B Transactions
TodayPayments.com provides innovative RTP® Instant Request Payment solutions that enable businesses and consumers to manage billing with real-time certainty, secure alias-based invoicing, and ISO 20022-compliant data exchange—streamlining payments and improving cash flow.
TodayPayments.com is a trusted platform for modern businesses adopting RTP® billing technology, enabling them to send, receive, and settle secure real-time payment requests across all payment flows. We offer tools for alias-based invoicing, ISO 20022 batch uploads, and 24/7 payment certainty—built for the digital economy.
Power Real-Time Billing with RTP® Request for Payment
In an economy that moves at the speed of digital, businesses can’t afford to wait for delayed settlements or failed payments. Real-Time Payments (RTP®) now offer an advanced billing solution through Instant Request Payment, enabling secure payment requests and instant settlement across all transaction types—A2A, B2B, B2C, and C2B.
With RTP®'s push-payment architecture and support for Request for Payment (RfP) messaging, businesses can automate invoicing and receive Good Funds instantly—while eliminating the chargebacks, reversals, and float associated with legacy payment rails
Eliminate Payment Friction with Real-Time Request for Payment
Ask for How:
Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Request Payment enables instant, secure RTP® payment requests and real-time settlement across all transaction types, helping businesses and consumers streamline billing, reduce delays, and eliminate chargebacks.
With TodayPayments.com, businesses can send alias-based payment requests—using email, phone number, or token IDs—without handling sensitive account data. The Payer receives a secure Request for Payment notification, approves it via their bank app, and the funds are settled instantly via RTP®.
Each transaction is backed by ISO 20022 structured messaging, including invoice references, payment terms, purpose codes, and remittance details. This improves reconciliation, accounting, and auditability—especially when processed in batch file formats like Excel, XML, and JSON.
Whether you’re managing high-volume vendor payments, collecting consumer subscriptions, or facilitating account-to-account transfers, RTP® ensures fast, final, and fraud-resistant payment settlement—24 hours a day, 365 days a year.
RTP® Parameters
- Network: RTP® (The Clearing House)
- Payment Type: Credit Push via RfP
- Settlement Time: Real-Time (<10 seconds)
- Supported Flows: A2A, B2B, B2C, C2B
- Message Format: ISO 20022
- Batch Upload Support: Excel, XML, JSON
- Finality: Irrevocable, Good Funds
- Availability: 24/7/365 including holidays
- Routing: Alias-enabled (email, mobile, token)
RTP® Attributes
- Request for Payment (RfP) for digital invoicing
- Alias-based routing to avoid account number sharing
- Supports recurring and one-time transactions
- High-volume batch invoicing via structured file uploads
- Embedded metadata for reconciliation (invoice ID, purpose code)
- API integration and mobile-first delivery
RTP® Benefits
- Settle payments in real time with full visibility
- Eliminate chargebacks with credit-push model
- Automate billing and reduce manual reconciliation
- Reduce delays and accelerate AR turnover
- Enable mobile and email invoicing with alias identity
- Upload Excel, .XML, and JSON files to scale
RTP® Features
- Instant receipt of Good Funds via RfP approval
- Real-time status confirmation for every transaction
- Support for dynamic billing amounts and invoice tracking
- Compliance with ISO 20022 messaging standards
- Smart batch processing for thousands of transactions
- Integrated payer communication and notifications
With TodayPayments.com, your business can transition from outdated billing cycles to real-time RTP®-enabled payment certainty. Start collecting instantly, securely, and at scale.
✅ Send RfP invoices using
alias-based routing
✅ Receive irrevocable
Good Funds in seconds
✅ Batch upload using
ISO 20022 Excel, XML, or JSON formats
✅
Automate A2A, B2B, B2C, and C2B invoicing
✅
Eliminate chargebacks and manual tracking
✅
Integrate with ERP and accounting platforms
Visit https://www.TodayPayments.com today to activate your RTP® Instant Request Payment account and get paid in real time—no delays, no chargebacks, no uncertainty.
Creation Request for Payment Bank File
Enhance Your Instant Request Payment Payment 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 140-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.
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 Instant 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 Instant Request Payment payment processing pricing
