Real-Time Payment Processing with Instant Good Funds via RTP® and FedNow®
To deliver intelligent, real-time payment processing solutions for modern businesses using RTP®, FedNow®, ISO 20022, and hosted Request for Payment (RfP™) technologies—empowering merchants to send and receive irrevocable good funds instantly, with full transparency and automation.
TodayPayments.com is a trusted real-time payments platform built for modern business. Through RTP®, FedNow®, and ISO 20022 automation, we help you eliminate AR aging, batch payments securely, and get paid instantly—with digital invoicing, QuickBooks® QBO integration, and hosted payment experiences that convert.
Send and Receive Irrevocable Payments 24/7—No Delays, No Chargebacks
Traditional payment systems are outdated. Delays, chargebacks, and manual reconciliation slow down your cash flow and increase your costs. Enter Real-Time Payment Processing—the smarter way to move money with certainty, finality, and full visibility.
Powered by RTP® and FedNow®, real-time payments offer instant irrevocable settlement of good funds for POS, MOTO, or ecommerce transactions. Backed by ISO 20022 message standards, your business can send and receive structured, reliable transactions—whether one-time, recurring, or batch uploaded. The future of business payments is real-time. And the future is now.
With real-time payment processing, your business can securely send and receive good funds in seconds. RTP® and FedNow® rails eliminate waiting periods, reduce processing errors, and deliver certainty of settlement—ideal for ecommerce, MOTO, POS, recurring billing, and variable payments.
Using tools like Request for Payment (RfP™), payees can issue invoices instantly, while hosted payment pages provide a frictionless experience for payers to choose how and when to complete deposits using FedNow®, RTP®, ACH, or even BNPL.
Batching, Recurring, and ISO 20022: Enterprise-Grade Payment Automation
Gone are the days of manual processing. With ISO 20022 message specifications, you can upload batch files using Excel, XML, or JSON to process thousands of A2A, B2B, or C2B transactions through any participating U.S. bank or credit union.
This real-time infrastructure enables:
- Recurring payment scheduling
- Immediate funding confirmation
- Accurate remittance data for reconciliation
- Automated AR workflows connected to QuickBooks® QBO
✅ RTP® Parameters, Attributes, Benefits, and Features
Parameters
- Payment Rails: RTP®, FedNow®
- File Formats Supported: ISO 20022 (XML), Excel, JSON
- Transaction Types: A2A, B2B, C2B
- Invoicing Tools: Request for Payment (RfP™) via SMS, Email, Mobile
- Settlement Speed: Instant, Irrevocable (24/7/365)
- Integration: QuickBooks® QBO and Hosted Payment Pages
Attributes
- Certainty of Funds: Receive final, non-reversible payments instantly
- ISO 20022 Rich Data Messaging: Enhanced remittance and automation
- Recurring & Subscription Ready: Automate scheduled billing cycles
- Hosted Checkout Pages: Payer-friendly experience with flexible payment methods
- No Coding Required: Instant deployment with full functionality
- Alias-Based Routing: Assign MIDs by employee, location, or department
- Nationwide Compatibility: Process with all U.S. banks and credit unions
Ask us How:
- Real-time payment processing using RTP® and FedNow® empowers businesses to send and receive good funds with irrevocable certainty, streamlining every payment interaction from invoice to deposit.
- With ISO 20022 message specifications, businesses can batch-upload payments using Excel, JSON, or XML formats and instantly transmit credits to financial institutions across the country.
- Integrated with QuickBooks® QBO, real-time payments automatically match and reconcile transactions—eliminating AR aging and manual accounting delays.
- Merchants can use Request for Payment (RfP™) to send secure digital invoices by SMS or email, guiding payers to hosted checkout pages where they can select real-time, ACH, or card payment methods.
- With recurring billing and variable invoicing support, real-time payment processing enables modern billing use cases like subscription models, installment plans, or utility billing with ease.
- Alias-based MIDs allow organizations to track and allocate payments by department, employee, or business location, delivering enterprise-grade clarity and control.
- Real-time settlement means your business is no longer dependent on batch clearing windows, allowing you to operate 24/7/365 without funding delays.
While receiving funds in real-time is one of the most significant benefits of real-time payment processing, there are other advantages that this technology can offer to businesses and consumers.
Some of the other benefits of real-time payment processing include:
Improved cash flow management: Real-time payments allow businesses to receive funds instantly, which can help improve their cash flow and reduce the need for short-term financing or credit.
Faster settlements: Real-time payment processing enables faster settlements between banks and financial institutions, which can reduce settlement risk and improve liquidity in the financial system.
Enhanced customer experience: Real-time payments offer a fast and convenient way for customers to make and receive payments, which can help improve customer satisfaction and loyalty.
Lower costs: Real-time payments can be less expensive than traditional payment methods like wire transfers, which can help businesses and consumers save money on transaction fees.
Increased efficiency: Real-time payment processing is highly automated, which can help reduce the need for manual intervention and streamline payment processing workflows.
Overall, real-time payment processing offers a range of benefits that can help businesses and consumers manage their finances more effectively and efficiently. As this technology continues to evolve and become more widely adopted, it is likely to play an increasingly important role in the global economy.
Why Businesses Choose TodayPayments.com for Real-Time Payments
- Enable payee-initiated RfPs using ISO 20022 standards for compliant, structured invoices
- Get paid instantly via FedNow® or RTP®, any day, any time
- Assign alias-based MIDs for team, department, or site-level control
- Track payments in real time across all U.S. banks and credit unions
- Deploy hosted checkout pages—no programming required
- Eliminate AR aging through auto-reconciliation and settlement tracking
- Apply online and onboard fast—no branch visit or legacy paperwork required
The time to go real-time is now. TodayPayments.com gives you a turnkey solution for real-time payment processing using RTP®, FedNow®, ISO 20022, and hosted RfP™ tools. Whether you’re batching thousands of payments, sending instant digital invoices, or integrating with QuickBooks®, our platform makes it easy, secure, and fast.
✅ Good funds in seconds
✅
24/7 payments with finality
✅ No chargebacks, no
manual AR
✅ Hosted payment pages and RfP™
invoicing
✅ ISO 20022 batching for scale
👉 Visit TodayPayments.com to activate your real-time payments experience today.
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 Final: All RTP and Instant Payments are Final & Irrevocable.
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.
Software Integration: Integrate your A/R & A/P 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 files 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. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
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 + 1.5% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Payment Processing 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 Real-time Payments processing
