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Real-Time Payments Gateway


Real-Time Payment Request via Mobile, SMS, Email, and QR Code

To revolutionize payment communications by delivering real-time payment request solutions that empower businesses to send mobile-friendly, instant, and irrevocable digital invoices—settled in seconds with RTP®, FedNow®, and ISO 20022 messaging.

TodayPayments.com is an industry leader in Request for Payment (RfP™) technology—enabling real-time invoicing and instant good fund settlements through RTP®, FedNow®, and ISO 20022 standards. From mobile texting to hosted checkout, we help businesses turn pay requests into real-time results.

 

Instant, Irrevocable, and Mobile-Friendly Payment Requests

Today’s businesses can’t afford to wait for payments—or for customers to dig through emails or paper invoices. With Real-Time Payment Requests (RfP™), you can send a secure, scannable, or tappable payment prompt directly to the payer’s device—via mobile phone, email, SMS, or QR code.

Backed by FedNow® and RTP® payment rails and powered by ISO 20022 rich data messaging, each RfP™ delivers irrevocable good funds in seconds. Whether you're billing via POS, MOTO, ecommerce, or digital invoicing, this is the fastest, most secure way to get paid.

Real-Time Payment Request (RfP™) empowers payees to initiate a payment prompt directly to the payer—via mobile SMS, text, email, or a scannable Quick Response Code (QRC). Once the payer authorizes the transaction, funds are deposited instantly via RTP® or FedNow®, providing certainty of good funds with no risk of revocation.

This system dramatically shortens the time from invoice to cash, eliminates AR bottlenecks, and improves payer convenience by offering hosted payment pages with selectable funding options—ACH, BNPL, cards, or real-time.

Batching, Recurring Requests, and ISO 20022 Integration

Businesses can batch-send RfP™ messages or set up variable recurring requests using structured ISO 20022 files. Upload batch payment requests using Excel, .XML, or JSON, and automatically transmit them to banks and credit unions for real-time processing.

These requests can be scheduled, automated, or manually triggered—ideal for:

  • Subscription billing
  • Utility payments
  • Wholesale orders
  • On-demand service payments

With full integration into accounting platforms, RfP™ enables businesses to scale receivables with speed and security.

✅ Request for Payment (RfP™) Parameters, Attributes, Benefits & Features

Parameters

  • Delivery Methods: Mobile SMS, Email, QR Code, Text, Digital Link
  • Payment Rails: RTP®, FedNow®
  • File Formats: Excel, .XML, JSON (ISO 20022)
  • Supported Transactions: A2A, B2B, C2B
  • Recurring Capabilities: Variable or Fixed
  • Invoicing Tools: Hosted Payment Page, QBO-compatible

Attributes

  • Instant Settlement: Final, good funds delivered in seconds
  • Mobile Optimization: Works via text, QR code, email, or mobile push
  • Recurring Billing Ready: Supports variable amount or scheduled requests
  • ISO 20022-Rich Messaging: Structured data improves automation and validation
  • Multi-Rail Flexibility: Supports ACH, Cards, BNPL, FedNow®, RTP®
  • Zero Coding Setup: Hosted payment pages simplify deployment
  • QuickBooks® Integration: Sync payment requests with accounting automatically

Ask us How:

  • Real-Time Payment Request (RfP™) via mobile phone, SMS, email, and QR code allows businesses to request good funds instantly from customers using RTP® and FedNow®—reducing days sales outstanding (DSO).
  • With ISO 20022 file format support, businesses can batch-upload recurring or one-time payment requests via Excel, .XML, or JSON, enabling instant processing by financial institutions across the country.
  • Hosted payment pages give payers the flexibility to complete the deposit using RTP®, FedNow®, ACH, BNPL, or cards—while payees receive irrevocable funds with finality and instant confirmation.
  • Using RfP™ to send mobile-friendly, scannable QR code invoices, businesses can transform how quickly payments are made—ideal for in-store, ecommerce, or service-based transactions.
  • Integrated with QuickBooks® QBO and compliant with ISO 20022 standards, TodayPayments.com simplifies reconciliation by matching each real-time request with automatic ledger updates.
  • Merchants and service providers can reduce administrative overhead, eliminate follow-up calls, and boost customer satisfaction by offering mobile-first, real-time settlement options.
  • With real-time payment processing built on Request for Payments, payees maintain full control over cash flow while giving payers the convenience and speed of 24/7 access.

Real-Time Payment Request (RfP), also known as "Request for Payment," is an innovative feature that enhances digital invoicing by enabling real-time payments through various channels such as digital invoices, SMS, and texting. Here’s how it works and the benefits it offers:

How RfP Works

  1. Digital Invoicing:
    • Generation: Businesses generate digital invoices within their accounting software, such as QuickBooks Online (QBO) or QuickBooks Enterprise.
    • Delivery: These invoices can be delivered to customers via email or other digital means.
    • Payment Link: The invoice includes a payment link that customers can click to initiate a real-time payment.
  2. SMS and Texting:
    • Notification: Customers receive an SMS or text message notification about the invoice.
    • Payment Link: The message contains a link to the invoice and the payment portal.
    • Immediate Action: Customers can click the link and make an instant payment using FedNow or RTP.

Benefits of RfP

  1. Immediate Payments: Customers can pay immediately upon receiving the request, which improves cash flow for businesses.
  2. Convenience: The ability to pay via SMS or email links makes it easy for customers to settle invoices quickly and securely.
  3. Reduced Processing Time: Real-time payments reduce the time needed for processing payments, compared to traditional methods.
  4. Enhanced Security: Secure payment links and real-time processing minimize the risk of fraud and enhance transaction security.
  5. Improved Customer Experience: The convenience of paying through a simple link improves customer satisfaction.

Integration with QuickBooks

  • QBO and QuickBooks Enterprise: These platforms can integrate with FedNow and RTP services via plugins such as SecureQBPlugin.com. This integration enables businesses to send RfP through digital invoices, SMS, and texting.
  • Payment Tracking: Payments are tracked and recorded automatically within QuickBooks, ensuring accurate and up-to-date financial records.

Use Cases

  1. B2B Transactions: Businesses can request payments from other businesses for services rendered or products supplied.
  2. C2B Transactions: Customers can pay for products or services immediately upon receiving an invoice or notification.
  3. Recurring Payments: Businesses can set up recurring payment requests for subscription services or regular billing cycles.

Implementing RfP

To implement RfP, businesses need to:

  1. Integrate Payment Services: Use SecureQBPlugin.com or similar services to integrate FedNow and RTP with their QuickBooks software.
  2. Set Up Digital Invoicing: Configure their accounting software to generate and send digital invoices with payment links.
  3. Enable SMS Notifications: Ensure customers can receive SMS notifications with payment links for instant payments.

By leveraging RfP through digital invoicing, SMS, and texting, businesses can streamline their payment processes, enhance security, and provide a better experience for their customers.

Why wait to get paid? TodayPayments.com gives you the power to send Real-Time Payment Requests (RfP™) via SMS, email, QR code, or mobile—all backed by instant settlement through FedNow® and RTP®.

✅ Send requests with one click
✅ Receive irrevocable good funds instantly
✅ Batch payments using ISO 20022 formats
✅ Let customers choose how and when to pay
✅ Use mobile, text, or hosted payment links
✅ Sync seamlessly with QuickBooks® QBO

Visit https://www.TodayPayments.com and start turning requests into real-time results.

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment 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. 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 Solutions

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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 .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 Request 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