FedNow® Real-Time Payment Request via Mobile, Email, SMS, and QRC
To empower businesses with real-time financial certainty by enabling mobile-optimized FedNow® Request for Payment (RfP™) solutions using ISO 20022 messaging, instant good funds, and secure hosted checkout experiences.
TodayPayments.com delivers cutting-edge FedNow® payment request technology—allowing payees to batch, invoice, and receive irrevocable good funds via mobile, SMS, email, or QR code. Our platform automates collections, enhances cash flow, and simplifies real-time receivables.
Instant Digital Invoicing that Converts in Seconds
In a world where every second counts, the
ability to request and receive payments instantly is more
than an advantage—it’s a necessity. The FedNow® Real-Time Payment
Request revolution allows businesses to send secure, real-time
payment prompts through mobile phones, SMS, email, or QR codes,
receiving irrevocable good funds in seconds.
Whether you operate a POS system, ecommerce
platform, or manage recurring invoices, FedNow® Request for
Payment (RfP™) technology offers digital invoicing with
guaranteed settlement using ISO 20022-compliant file formats
like Excel, XML, or JSON.
FedNow® Real-Time Payment Requests (RfP™) enable businesses to send an invoice directly to a payer’s mobile device or inbox—with the option to pay immediately via a hosted payment page. Whether the request arrives via SMS, email, or scannable QR code, the experience is seamless and secure.
Funds are deposited in real time using FedNow® rails, ensuring the transaction is final, irrevocable, and settled with good funds—anytime, 24/7/365.
Batch Uploads and Variable Recurring Payments Using ISO 20022
✅ "FREE" RfP Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
Businesses managing multiple transactions can streamline their collections with batch uploads using ISO 20022 message specifications. Upload files in Excel, XML, or JSON format to request multiple payments across:
- A2A (Account-to-Account)
- B2B (Business-to-Business)
- C2B (Consumer-to-Business)
Use these tools to support recurring subscription models, wholesale payments, POS sales, or ecommerce checkout—all with immediate confirmation.
✅ Request for Payment (RfP™) Parameters, Attributes, Benefits & Features
Parameters
- Platform: FedNow® Real-Time Payment Rail
- RfP Delivery Channels: SMS, Mobile, Email, QR Code
- File Formats Supported: Excel, XML, JSON (ISO 20022)
- Transaction Types: A2A, B2B, C2B
- Recurring Support: Fixed or variable invoicing cycles
- Settlement Model: Irrevocable Good Funds, 24/7/365
Attributes
- Immediate Payment Certainty: Payments settle in seconds with no revocation
- Digital Invoice Options: Send via mobile, email, or QR
- Hosted Payment Page: Payers can choose RTP®, ACH, FedNow®, BNPL, or cards
- QuickBooks® Compatibility: Reconcile RfPs with AR instantly
- Batch and Bulk Upload: Ideal for recurring billing or pay-by-link workflows
- Enhanced Remittance Data: ISO 20022 supports structured payment metadata
- Zero Downtime: Payments can be requested and settled any time, day or night
Ask us How:
- With FedNow® Real-Time Payment Requests, businesses can send payment prompts via mobile phone, SMS, or QR code, enabling instant deposit of good funds using secure hosted checkout links.
- FedNow® Request for Payment (RfP™) supports variable recurring invoicing, ideal for SaaS providers, subscription billing, and contract-based payments that need real-time settlement.
- Using ISO 20022 message specifications, merchants can upload Excel, XML, or JSON files to request payment from any U.S. bank or credit union supporting the FedNow® system.
- Payers receive a text, email, or QR code invoice, then click to pay via RTP®, FedNow®, ACH, card, or BNPL—while the merchant receives irrevocable funds instantly, even on weekends.
- By automating digital invoicing through RfP™ and FedNow®, merchants eliminate days sales outstanding (DSO) and reduce the risks of bounced checks or credit card chargebacks.
- The integration of FedNow® with ISO 20022 and hosted payment flows gives businesses unprecedented speed, traceability, and financial confidence.
- Whether you're collecting one-time invoices or managing high-volume AR cycles, FedNow® RfP™ tools provide mobile-first, real-time settlement that scales with your business.
Get paid in real time. With TodayPayments.com, you can send FedNow® Real-Time Payment Requests (RfP™) via SMS, mobile, QR code, or email—and receive irrevocable good funds instantly.
✅ Automate invoicing via ISO 20022
✅
Set up variable recurring payment requests
✅ Send pay-by-link
requests through mobile, email, or QR
✅ Use hosted checkout
pages—no coding required
✅ Settle with FedNow®, RTP®, ACH,
Cards, or BNPL
✅ Reconcile payments instantly with rich
remittance data
Ready to modernize your receivables?
Visit
https://www.TodayPayments.com to start sending FedNow®
real-time payment requests today.
Creation Request for Payment Bank File
Enhance Your Real-TimePaymentRequest using Real-Time Payments 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 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.
Contact Us for Request For Payment payment processing
