RTP® Real-Time Payment Request via Mobile, Email, SMS, and QR Code
To empower businesses with frictionless real-time payment request capabilities using RTP® rails, mobile invoicing, and ISO 20022 messaging—delivering certainty of good funds through seamless, digital-first settlement.
TodayPayments.com is a premier platform for RTP® Real-Time Payment Requests—offering payee-initiated invoicing via SMS, email, or QR code, instant settlement of good funds, and full support for ISO 20022 batch payments and hosted payment experiences.
Prompt, Pay, and Process—Instantly
Waiting to get paid is no longer acceptable in
today’s always-on economy. Whether you’re managing ecommerce
checkouts, point-of-sale systems, or recurring invoices, the need
for instant, irrevocable settlement has never been greater.
That’s where RTP® Real-Time Payment Request comes in.
Delivered via mobile phones, text messages,
emails, or QR codes, Request for Payment (RfP™) allows
businesses to instantly prompt a payer to complete a transaction.
With RTP® rails and ISO 20022 messaging, this
technology ensures funds are deposited in seconds, with finality,
compliance, and ease.
RTP® Real-Time Payment Request (RfP™) allows payees to initiate a real-time payment message directly to the payer using mobile phones, email, texting, SMS, or QR codes (QRCs). The payer receives a secure hosted payment link, selects a preferred rail, and confirms payment.
Funds are deposited to the payee’s account immediately—24/7/365, with irrevocable good funds and no risk of returns, revocations, or chargebacks. This system is perfect for modern POS systems, mobile-first billing, MOTO transactions, and digital marketplaces.
Recurring and Batching Made Easy with ISO 20022 File Uploads
✅ "FREE" RfP Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
TodayPayments.com supports batch uploads for recurring or one-time RTP® payment requests. Upload structured files in Excel, .XML, or JSON formats using ISO 20022 specifications to initiate transactions to any financial institution.
This is ideal for:
- Subscription payments
- Invoice-based billing
- Wholesale settlements
- Payroll disbursements
- Digital invoicing cycles
With real-time confirmation, each batch delivers the same payment certainty and remittance-rich metadata that powers automated accounting.
✅ Request for Payment (RfP™) Parameters, Attributes, Benefits & Features
Parameters
- Payment Rail: RTP® (Real-Time Payments)
- RfP Delivery: Mobile SMS, Email, QR Code, Text, Hosted Link
- File Formats: ISO 20022, Excel (.xlsx), XML, JSON
- Supported Transaction Types: A2A, B2B, C2B
- Settlement Time: Instant, Irrevocable, 24/7/365
- Invoicing Tools: Hosted Payment Pages, Pay-by-Link, QuickBooks® Integration
Attributes
- Finality of Funds: Payments are irrevocable and final at the moment of settlement
- Flexible Delivery: Send payment requests via text, email, QR code, or hosted portal
- ISO 20022 Compliant: Embed rich metadata for audit, automation, and reconciliation
- Recurring Billing Ready: Set up variable or fixed invoicing cycles
- Hosted Checkout Page: Payers select method (RTP®, ACH, Cards, BNPL, etc.)
- QBO-Friendly: Full integration with QuickBooks® for auto-reconciliation
- Bank Compatibility: Works with all U.S. financial institutions connected to RTP®
Ask us How:
- RTP® Real-Time Payment Requests enable businesses to send secure payment prompts via mobile phone, SMS, email, or QR code, triggering instant deposit of irrevocable good funds.
- Businesses using ISO 20022-compliant formats such as Excel, XML, and JSON can batch-upload payment requests and trigger multiple RTP® transactions with real-time fund delivery.
- With RfP™ tools, invoices become actionable—customers can pay instantly through hosted payment pages, choosing RTP®, FedNow®, ACH, credit card, or BNPL to complete the deposit.
- Recurring payment requests allow for flexible invoicing schedules based on subscription models, usage-based billing, or installment plans, while delivering the same instant payment benefits.
- Rich remittance data embedded in ISO 20022 messages allows for automated reconciliation, matching every payment request with a digital invoice and corresponding QBO ledger entry.
- From digital point-of-sale to remote billing via mobile or QR code, RTP® RfP™ allows you to get paid anytime, anywhere, with zero delays or uncertainty.
- The integration of RTP® rails with hosted checkout, batch processing, and ISO 20022 makes real-time invoicing a powerful tool for finance, operations, and sales teams.
Get paid in real time with certainty and control. At TodayPayments.com, we make it easy to send RTP® Real-Time Payment Requests via mobile, SMS, email, or QR code—and receive irrevocable good funds in seconds.
✅ Batch and automate payment
requests using ISO 20022
✅ Let customers pay via
RTP®, ACH, Card, or BNPL
✅ Send
real-time digital invoices with hosted checkout pages
✅
Support recurring, one-time, and subscription billing models
✅ Integrate seamlessly with QuickBooks®
QBO
✅ Eliminate chargebacks, delays, and AR aging
👉 Start sending secure RTP®
Payment Requests today.
Visit
https://www.TodayPayments.com and turn every invoice into
instant cash flow.
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
