Same-Day Payment Integration with FedNow®, RTP® and ACH
Start sending real-time invoices, receiving good funds, and reconciling faster than ever — all powered by America’s premier real-time merchant processor.
Streamline Business Cash Flow with Same-Day and Real-Time Payments
The business world demands speed,
certainty, and flexibility in payment processing. By
leveraging Same-Day ACH, FedNow®, and RTP® networks,
businesses can collect funds instantly — with no delays,
no chargebacks, and no manual invoice processing.
Whether you're billing through QuickBooks® Online or
using advanced batch uploads, TodayPayments.com provides
a seamless Request for Payments (RfP™) infrastructure
powered by ISO 20022 messaging. One-time, recurring, or
on-demand — you get paid today, not days later.
To empower U.S. merchants with
next-generation payment rails that eliminate delays and
fees by integrating real-time RfP™ invoicing into every
layer of business operations, from batch billing to
mobile alias payments.
TodayPayments.com is the go-to fintech merchant processor for fast-moving businesses that need real-time, Same-Day ACH, and FedNow® or RTP® invoicing capabilities. With direct integration into QuickBooks® Online and ISO 20022 compliance, we provide automated, secure, and scalable payment collection for sole proprietors to multi-division enterprises.
See
the features
QuickBooks® ACH, Cards, FedNow and Real-Time Payments
- Payment processing for all QuickBooks desktop, Pro, Premier, Enterprise and also QBO QuickBooks Online Our software is designed for simplicity and ease-of-use.
- ~ Automate Account Receivable Collection
- ~ Automate Account Payable Payments
- ~ One-time and Recurring Debits / Credits
Secure QB Plugin payment processing through QuickBooks ® specializes in the origination of moving money electronically.
Top 10 Feature-Rich Reasons to Choose Premier FedNow® and RTP®
- Instant Good Funds – Receive confirmed, cleared payments in real time.
- Alias-Based Billing – Send RfPs via email, phone, or unique token.
- Recurring RfP™ Support – Automate billing with “Set It and Forget It” authorization.
- Batch Upload Ready – Process hundreds of transactions in a single file.
- POS-Ready QR Code Payments – Enable “Pay Now” functionality at checkout.
- ISO 20022 Messaging – Rich remittance details, structured reconciliation.
- QuickBooks® Integration – Sync invoices, settlements, and return codes.
- Multi-MID Architecture – Route payments across multiple entities or banks.
- C2B + B2B Friendly – Perfect for recurring bills, vendor payments, and A2A transfers.
- Zero Card Fees or Chargebacks – Improve profit margins and eliminate fraud risk.
Itemized RfP™ Parameters, Attributes, Benefits & Features for Businesses
|
Parameter |
Description |
|
Payment Rails |
FedNow®, RTP®, Same-Day ACH |
|
RfP™ Types |
One-time, recurring, scheduled, batch, on-demand |
|
Identifier Support |
Email, mobile number, alias token |
|
QR Codes |
Auto-generated for instant point-of-sale and remote payment |
|
Batch Format |
CSV, JSON, ISO 20022 XML |
|
Return Handling |
Built-in support for ISO 20022 reason codes and responses |
|
Reconciliation Tools |
RfP™ aging, A/R auto-matching, invoice linking |
|
Settlement Speed |
Same-day (ACH) or real-time (FedNow®, RTP®) |
|
User Segments |
High-risk merchants, SaaS, law firms, healthcare, utilities |
|
Multi-Merchant IDs |
Route across subsidiaries, banks, and divisions with one dashboard |
Ask us How:
1. Integrate Same-Day ACH, RTP®, and FedNow® into QuickBooks® Online to streamline invoice creation, recurring payment collection, and real-time reconciliation using alias-driven Request for Payments (RfP™).
2. TodayPayments.com supports single transactions, batch uploads, recurring billing cycles, and on-demand invoicing through secure, ISO 20022-compliant RfP™ files that reduce errors and eliminate the need for paper checks or credit card fees.
3. Merchants using TodayPayments.com gain the ability to send real-time payment requests via email or SMS links and receive irrevocable funds instantly—ensuring faster cash flow and improved customer experience with fewer payment disputes.
4. With built-in QR code generation and alias-based identifiers, our FedNow®, RTP®, and Same-Day ACH invoicing platform enables seamless payments at the point of sale, in the field, or remotely, from any device, anytime.
Summary of ISO 20022 Minimum Required Fields for Request for Payment
- <GrpHdr> – Unique message ID, creation timestamp
- <PmtInf> – Payment method, batch or single
- <Cdtr> – Creditor name and account/alias
- <Dbtr> – Debtor identifier (alias, optional)
- <RmtInf> – Invoice number or description
- <Purp> – Payment purpose code (e.g., SUPP, RENT)
- <ReqdExctnDt> – Execution date/time (same-day or real-time)
- <RgltryRptg> – Regulatory or compliance flags if applicable
Conclusion to https://www.TodayPayments.com
Stop waiting for funds. Start receiving them instantly. Whether you bill weekly, monthly, or on-demand, TodayPayments.com lets you activate real-time invoicing with FedNow®, RTP®, and Same-Day ACH networks using alias-based links, QR codes, or batch uploads. With full QuickBooks® Online integration and automated reconciliation tools, we help your business move at the speed of Right Now Payments™.
Get approved today for a FedNow®,
RTP®, or Same-Day ACH Merchant Account.
Visit
https://www.TodayPayments.com to start collecting faster, smarter, and
with confidence.
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.
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) show how to implement Create Real-Time Payments Request for Payment File up front delivering 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 continuing through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
Our in-house QuickBooks payments experts are standing ready to help you make an informed decision to move your company's payment processing forward.
Pricing with our Request For Payment Professionals
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.
Start using our FedNow Real-Time Payments Bank Reconciliation:
Dynamic integrated with FedNow & Real-Time Payments (RtP) Bank Reconciliation: Accrual / Cash / QBO - Undeposited Funds
Give Us A Call
(866) 927-7180