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Same-Day Payments Made Simple with FedNow®, RTP®, and ACH

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Start sending real-time invoices, receiving good funds, and reconciling faster than ever — all powered by America’s premier real-time merchant processor.

To empower American businesses with secure, real-time payment technology by providing fully integrated RfP™ invoicing systems over the FedNow®, RTP®, and Same-Day ACH networks — complete with alias-based invoicing, QR codes, and batch processing capabilities.

TodayPayments.com delivers enterprise-grade, real-time merchant processing with multi-rail support for FedNow®, RTP®, and Same-Day ACH. Whether you're a high-risk merchant, recurring biller, or SaaS platform, our Request-for-Payment (RfP™) solutions make getting paid as easy as sending a link or scanning a code.

 

Why Same-Day and Real-Time Payments Are the Future of Business

Mobile Request for Payment The speed of commerce has changed. With Same-Day ACH, FedNow®, and RTP®, businesses no longer need to wait days for payments to clear. Instant good funds, irrevocable debits, and seamless integration into your existing invoicing systems — including QuickBooks® Online — are no longer a luxury, but a necessity. Whether you're collecting face-to-face, remotely, or through batch processing, real-time Request-for-Payments (RfP™) infrastructure enables fast, secure, and automated billing.

Ask us How:

1. Same-Day ACH, FedNow®, and RTP® payments can be integrated directly into your QuickBooks® Online account with alias-based Request for Payment (RfP™) support for seamless invoice delivery, collection, and reconciliation.

2. Real-time payment processing through TodayPayments.com enables merchants to accept batch RfP™ uploads for recurring billing cycles, while still maintaining individual transaction traceability and automated reconciliation.

3. Our merchant accounts come pre-approved for multiple MIDs, allowing large enterprises and SaaS platforms to separate real-time payment flows by location, department, or business line using ISO 20022 fields.

4. Instant settlement with good funds empowers businesses to transfer title ownership immediately upon receipt of RTP® or FedNow® payments, removing credit card delays, fees, and fraud risks.

FREE Real-Time Payments Bank Reconciliation
✅ "FREE" RfP Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

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

To comply with minimum viable FedNow® and RTP® RfP™ standards, each message should include:

  • <GrpHdr> – Group Header ID
  • <PmtInf> – Payment Information
  • <Cdtr> – Payee name, alias, and account details
  • <Dbtr> – Debtor alias (or optional for pre-auth RfPs)
  • <RmtInf> – Remittance Information (Invoice ID, etc.)
  • <ReqdExctnDt> – Requested execution date (instant or scheduled)
  • <Purp> – Payment purpose (e.g., BILL, SALA)
  • <RgltryRptg> – Regulatory reporting if required

Top 10 Feature-Rich Reasons to Choose Premier FedNow® and RTP®

  1. Good Funds in Seconds – Instant, irrevocable settlement.
  2. No Chargebacks – Real-time debits reduce fraud and disputes.
  3. Alias-Based Invoicing – Bill by email, phone number, or token.
  4. QR Code Payments – Contactless “Pay Now” solutions.
  5. ISO 20022 Compliant – Rich remittance and reconciliation fields.
  6. Batch Upload Support – Handle hundreds of transactions at once.
  7. Recurring RfP™ Autopay – “Set It and Forget It” authorization for bills.
  8. QuickBooks® Integration – Sync invoices, payments, and returns.
  9. Multi-MID Enablement – Route by division, location, or bank.
  10. Nationwide Coverage – Onboard across all 50 U.S. states.

RfP™ Parameters, Attributes, Benefits & Features for Businesses

Category

Details

Payment Channels

FedNow®, RTP®, Same-Day ACH

RfP™ Type

One-time, recurring, batch, or on-demand

Identifiers

Alias (email, mobile), hyperlink, QR code

File Support

CSV, JSON, ISO 20022 XML

Benefits

Good funds, reduced disputes, instant cash flow

Return Handling

ISO 20022 error code mapping and reporting

Accounting Tools

A/R aging, reconciliation, auto-matching

User Types

C2B, B2B, and high-risk merchant verticals

Conclusion to Marketing and Branding to https://www.TodayPayments.com

Looking for real-time, recurring, or batch-based payment collection with zero card fees and instant good funds? TodayPayments.com is your all-in-one fintech partner. We simplify merchant onboarding, RfP™ integration, QuickBooks® syncing, and return code management across FedNow®, RTP®, and Same-Day ACH. Don’t just wait for payments — request them, get them, and grow with them.

👉 Ready to activate “Same-Day Payments” across all networks? Visit https://www.TodayPayments.com to apply now.

Speak With a Real-Time Payment Specialist Now

Whether 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.

Creation Request for Payment Bank File

Call us, the .csv and or .xml 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. Request for Payment

... 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.

Pricing with our Request For Payment Professionals

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 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 data for completed 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.

Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.

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