Simplify Billing with RTP® Invoicing & Instant Request for Payment (RfP™)
To revolutionize how businesses invoice and receive funds by enabling secure, real-time RTP® Request for Payment (RfP™) solutions that simplify billing, reduce risk, and accelerate cash flow using alias-based identifiers and ISO 20022 standards.
TodayPayments.com leads an evolution of modern business billing by offering RTP®-powered Request for Payment (RfP™) tools that let merchants get paid instantly, securely, and 24/7 via mobile, email, text, or QuickBooks® integration. With alias-based digital invoicing and hosted payment pages, we remove banking friction, eliminate chargebacks, and give customers full flexibility in how and when they pay.
What is RTP® Request for Payment (RfP™)?
Goodbye Delays, Hello Real-Time Digital Payments
Traditional invoicing is full of friction: delayed ACH batches, manual reconciliation, and chargeback risks. With RTP® Request for Payment (RfP™), your business sends real-time digital payment requests via SMS, Email, QuickBooks®, or QR codes, and customers respond with instant, irrevocable payments — directly from their bank to yours.
Built on ISO 20022 rich messaging, RTP® RfP™ enables alias-based invoicing (via phone or email) to every major U.S. financial institution. No more routing numbers. No more waiting.
What Is RTP® Request for Payment (RfP™)?
Request for Payment (RfP™) is a secure, digital message sent by a merchant (Payee) asking a customer (Payer) to initiate an immediate, real-time payment. Delivered via RTP® rail, the customer receives the request through mobile, text, email, or hosted page and pays instantly using their preferred financial channel.
Key Channels for Delivery
- SMS & Text Messaging
- Email Invoicing
- QuickBooks® or ERP Integration
- QR Code Scanning
- Hosted Payment Pages
Request FedNow Payment for your business using Real-Time Payments
Itemized RfP™ Parameters, Attributes, Benefits & Features
✅ Core Parameters for RfP™ via RTP®
|
Parameter |
ISO 20022 Tag |
Description |
|
Message ID |
<GrpHdr><MsgId> |
Unique message reference for traceability |
|
Payment Info ID |
<PmtInf><PmtInfId> |
Identifier for payment request group |
|
Payee Name |
<Cdtr><Nm> |
Merchant’s business name |
|
Payer Name |
<Dbtr><Nm> |
Customer’s full name |
|
Alias Identifier |
<CdtrAcct><Id> |
Email, phone, or token-based identifier |
|
Payment Amount |
<Amt><InstdAmt> |
Amount due in USD |
|
Payment Reason |
<Purp><Cd> |
Reason for payment (e.g., INVOICE) |
|
Invoice Description |
<RmtInf><Ustrd> |
Free-form field for service/item detail |
|
Requested Date |
<ReqdExctnDt> |
Date to execute the transaction |
Attributes
- ISO 20022-compliant rich data format
- Alias-based invoicing without exposing account or routing numbers
- 24/7/365 real-time payments via RTP®
- Push payment model — Payer authorizes, Payee receives instantly
- QuickBooks® batch upload support
- Delivery via SMS, Email, QR, or Hosted Page
- Multi-rail compatibility: FedNow®, ACH, BNPL, Cards, Customer Financing
Benefits for Businesses
- Instant good funds directly into your bank account
- Fraud-resistant alias-based requests
- No chargebacks or insufficient funds issues
- Mobile-first experience for your customers
- Streamlined reconciliation with ISO data structures
- Supports recurring or batch invoicing from accounting platforms
- Improves cash flow visibility and predictability
Ideal Use Cases for RTP® Invoicing
- Field Technicians & Contractors — Send text-to-pay invoices on site
- Ecommerce & Retailers — Accept QR code payments in-store
- Healthcare & Wellness Clinics — Alias-based billing via SMS
- Accountants & Bookkeepers — Automate batch invoicing via QuickBooks®
- Subscription Services — Trigger variable recurring payment requests
- Professional Services — One-click digital invoicing for remote clients
Ask us How:
Simplify billing with RTP® Invoicing and Requested Payment solutions. Instantly send alias-based digital payment requests using phone numbers or email addresses — without routing or account numbers. With support for QuickBooks®, email, texting, and QR code, RfP™ over RTP® rails delivers instant, good funds securely from any U.S. bank or credit union.
Businesses using RTP® Request for Payment reduce their dependency on ACH and credit cards by offering real-time, frictionless payment experiences. Each invoice is embedded with ISO 20022-compliant metadata for tracking, reconciliation, and transparency.
Customers choose how and when they pay — using RTP®, FedNow®, cards, BNPL, or ACH — through a mobile-friendly hosted payment page, enhancing the user experience and eliminating processing risk for merchants.
To utilize real-time services for a Request FedNow Payment invoicing process, ensuring seamless and immediate payment transactions, a streamlined workflow is required. Here's how it can be achieved:
Payee Side (Invoicing):
- Invoice Generation: The payee generates an invoice detailing the payment amount, recipient information, and any other necessary details.
- Real-Time Integration: The payee's invoicing system integrates with a real-time payment service provider capable of handling FedNow transactions.
- Encoding: The invoice data is encoded into the required format compatible with the real-time payment service provider, ensuring adherence to industry standards such as ISO 20022.
- Digital Signature: Optionally, the payee may apply a digital signature to the invoice for added security and authenticity.
- Transmission: The encoded invoice is securely transmitted in real-time to the payer through digital channels such as APIs or secure messaging protocols.
Payer Side:
- Invoice Receipt: The payer receives the invoice digitally in real-time through the chosen communication channel.
- Review and Approval: The payer reviews the invoice details and approves the payment request through their payment processing system or banking portal.
- Payment Authorization: Upon approval, the payer's financial institution is authorized to initiate the FedNow payment transaction in real-time.
Payment Processing:
- Real-Time Authorization: The payer's financial institution verifies the payment request and authorizes the FedNow payment transaction instantly, ensuring immediate funds transfer.
- Funds Transfer: Funds are transferred in real-time from the payer's account to the payee's account via the FedNow network, facilitating instant payment settlement.
Confirmation and Reconciliation:
- Payment Confirmation: Both the payee and the payer receive instant confirmation of the payment transaction, providing assurance of payment completion.
- Reconciliation: The payment transaction is automatically reconciled within the respective accounting systems of the payee and the payer, ensuring accurate financial records.
Benefits:
- Speed: Real-time payment processing enables immediate funds transfer, facilitating faster payment settlement and cash flow management.
- Efficiency: Streamlined workflow reduces manual intervention and processing time, enhancing overall operational efficiency.
- Security: Secure transmission channels and optional digital signatures ensure data security and protect against unauthorized access or tampering.
- Convenience: Seamless integration with real-time payment services provides a user-friendly experience for both payees and payers, enhancing overall convenience.
By leveraging real-time services for Request FedNow Payment invoicing, businesses can enjoy seamless, efficient, and secure payment transactions, ensuring timely payment processing and improved cash flow management.
Power Your Billing with Instant RTP® Payments at TodayPayments.com
Why wait days for payment when you can get paid in seconds?
At TodayPayments.com, we equip businesses with powerful RTP® RfP™ invoicing tools designed for mobile, email, QuickBooks®, and QR-based delivery — backed by ISO 20022 compliance and real-time settlement.
✅ Alias-based invoicing — no
account/routing needed
✅ Zero chargebacks,
zero delays
✅ Real-time push payments via
SMS, Email, or Hosted Page
✅ API-ready
integrations with your existing tools
Send an invoice in seconds. Get paid
instantly.
Sign up now at
https://www.TodayPayments.com and simplify how you get paid
with RTP® Request for Payment.
Creation Request for Payment Bank File
Call us, the .csv and or .xml Real-Time Payments (RTP) 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.
... 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Request For Payment payment processing
