FedNow® Instant Payments

Biller's login - Hosted Payments Page
Real-Time Payments Gateway


RTP® Real-Time Payments: Instant Transactions for B2B, B2C, and C2B Billing

TodayPayments.com is committed to delivering RTP®-powered real-time payment solutions that empower banks, credit unions, and businesses to send and receive instant digital payments—securely, efficiently, and without settlement risk.

TodayPayments.com positions RTP® Real-Time Payments as the definitive payment infrastructure for instant, chargeback-free financial operations. Our platform enables financial institutions and enterprises to support automated billing, mobile invoicing, ISO 20022 batch uploads, and Request for Payment (RfP) capabilities—streamlining operations while eliminating payment delays.

What Are RTP® Real-Time Payments?

Real-Time Payments Are the New Standard in Digital Commerce

Today’s financial landscape demands speed, certainty, and automation. Businesses and consumers no longer accept payment delays, reversals, or reconciliation bottlenecks. With RTP® (Real-Time Payments), you can instantly send and receive secure payments across B2B, B2C, and C2B channels. RTP® eliminates chargebacks, reduces processing overhead, and supports ISO 20022 file formats for modern, high-integrity invoicing workflows.

RTP® (Real-Time Payments) is a secure payment rail operated by The Clearing House that allows financial institutions to transfer funds in under 10 seconds. RTP® supports instant credit push transactions, ensuring recipients receive irrevocable, good funds any time—24/7/365.

RTP® is ideal for:

  • B2B vendor payments
  • B2C disbursements
  • C2B bill payments
  • Subscription billing
  • Digital invoice settlement

Streamline RTP® Parameters, Attributes, Benefits & Features

Text Mobile Request for Real-Time Payment

✅ Parameters

  • Operator: The Clearing House (TCH)
  • Availability: 24/7/365
  • Settlement Speed: Under 10 seconds
  • Settlement Type: Final, irrevocable credit push
  • Transaction Types: B2B, B2C, C2B, G2C
  • File Support: Excel, XML, JSON for batch uploads
  • Standard: ISO 20022 data-rich messages
  • RfP Support: Embedded Request for Payment triggers

✅ Attributes

  • Mobile and web invoice support with real-time settlement
  • No chargebacks or reversals—100% good funds
  • ERP/CRM integration (e.g., QuickBooks®, NetSuite, SAP)
  • Rich metadata for automated reconciliation
  • Supports recurring and one-time payments with full audit trail

✅ Benefits

  • Send and receive real-time payments across all transaction types
  • Eliminate delays, chargebacks, and ACH wait times
  • Enhance trust and transparency with final settlement confirmation
  • Automate batch payouts with RfP integration and ISO 20022
  • Improve cash flow visibility and accelerate A/R turnover

ISO 20022 & Batch Upload File Format Specifications

Financial Institutions and Corporates Can:

  • Upload .Excel, .XML, or JSON batch files
  • Schedule recurring or one-time RTP® transactions
  • Include Request for Payment (RfP) with ISO 20022 messages
  • Push credit transactions to any participating financial institution
  • Automate invoice triggers, mobile notifications, and fund confirmations

Use cases include:

  • Subscription billing platforms
  • Medical or utility invoice collection
  • Vendor or contractor disbursements
  • Loan servicing and tuition payments

✅ Ask us How:

  • Real-Time Payments RTP® to Receive and Pay B2B, B2C, C2B using Instant Payments delivers secure, real-time fund transfers and settlement across all transaction types, enabling businesses and consumers to send and receive payments instantly with no chargebacks or delays via the RTP® network.
  • Upload batch billing files using Excel, XML, or JSON and instantly send RTP® payments across any financial institution with ISO 20022 metadata.
  • Enable Request for Payment (RfP) to trigger secure RTP® transactions via mobile, email, or digital invoice workflows.
  • RTP® Instant Payments support recurring payments, digital invoicing, and API integration to accelerate your cash flow and customer satisfaction.
  • With RTP®, eliminate delays, increase A/R speed, and automate reconciliation using real-time transaction confirmations and rich payment data.

Activate RTP® Real-Time Payments with TodayPayments.com

Instant payments aren't optional—they're expected.
Whether you're a small business, enterprise, or credit union, RTP® gives you the tools to settle payments instantly, securely, and with complete visibility.

With TodayPayments.com, you gain:

  • ✅ Real-time B2B, B2C, and C2B settlement
  • ✅ ISO 20022 support for modern digital invoicing
  • ✅ Request for Payment (RfP) automation
  • ✅ Final good funds, no chargebacks, and full audit trail

Visit https://www.TodayPayments.com now to enable RTP® Real-Time Payments and take control of your billing, collections, and financial operations—with real-time certainty.

Creation Request for Payment Bank File

Enhance Your FedNow® Instant Payments Payment 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.

Request for Payment



... easily create Instant 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 FedNow® Instant Payments payment processing pricing