Real-Time Payment Requests via Mobile, Email, SMS & QR Code
To simplify the future of payments by empowering businesses to request and receive good funds instantly through mobile-first, ISO 20022-compliant Real-Time Payment Requests powered by RTP® and FedNow®.
TodayPayments.com is a next-generation platform for Real-Time Payment Requests. We enable businesses to send mobile, email, and QR-based payment prompts that settle in seconds—fully integrated with ISO 20022 batching, RTP®, FedNow®, and hosted checkout experiences.
Instant Payment Prompts that Deliver Irrevocable Good Funds
The days of waiting for checks to clear or ACH transfers to process are over. With Real-Time Payment Requests, businesses can now prompt customers to pay instantly—via mobile phone, text message (SMS), email, or QR code (QRC)—with funds settling in seconds using FedNow® and RTP® rails.
By embedding payment requests into mobile invoicing and allowing the payer to choose how and when to complete the payment, this method delivers faster payments, improved cash flow, and operational certainty for businesses of all sizes.
Real-Time Payment Requests (RfP™) empower payees to send secure digital invoices directly to a payer’s mobile device or inbox. Once received via SMS, email, or QR code, the payer is directed to a hosted payment page where they can choose to complete the payment through FedNow®, RTP®, ACH, card, or BNPL.
These real-time transactions settle instantly and irrevocably, offering final good funds, reducing AR aging, and eliminating chargebacks. This system is ideal for POS, MOTO, ecommerce, recurring billing, and on-demand invoicing scenarios.
Batch Uploads and Recurring Payments Using ISO 20022
With ISO 20022 support, businesses can batch upload payment requests using Excel, .XML, or JSON file formats. Whether you're sending hundreds of invoices or managing subscription-based billing, recurring RfP™ capabilities make it easy to automate:
- A2A (Account-to-Account) transactions
- B2B (Business-to-Business) payments
- C2B (Consumer-to-Business) invoices
Rich metadata ensures payments are traceable, reconcilable, and ready for accounting systems like QuickBooks®.
✅ Request for Payments Parameters, Attributes, Benefits, and Features
Parameters
- Delivery Channels: Mobile Phone, SMS, Email, QR Code (QRC)
- Payment Rails Supported: RTP®, FedNow®, ACH, Cards, BNPL
- Batch Upload Formats: ISO 20022, Excel (.xlsx), .XML, JSON
- Transaction Types: A2A, B2B, C2B
- Settlement Speed: Instant, 24/7/365
- Hosted Payment Destination: Secure, branded checkout pages
Attributes
- Irrevocable Good Funds: Receive payments that are final, immediate, and risk-free
- Mobile-First Experience: RfPs delivered by text, email, or QR code—accessible anytime
- ISO 20022 Compliance: Ensures interoperability, validation, and structured remittance data
- Recurring Billing Support: Automate subscription or usage-based payment requests
- Hosted Checkout Page: Allows payers to select from RTP®, FedNow®, ACH, or other options
- Real-Time Notifications: Confirm payment success instantly
- Seamless AR Integration: Compatible with QuickBooks® and enterprise financial systems
Ask us How:
- Real-Time Payment Requests delivered through mobile phone, email, SMS, or QR code offer businesses the ability to prompt customers to pay instantly, settling funds in real-time through RTP® or FedNow®.
- Businesses can batch upload hundreds or thousands of payment requests using ISO 20022-compliant formats like Excel, XML, or JSON to instantly credit accounts with structured, trackable transactions.
- Each RfP™ contains rich remittance data and links to a hosted payment page, where payers can choose how and when to pay—ensuring maximum convenience and minimum friction.
- Recurring RfP™ transactions make it easy for companies to manage subscriptions, utility billing, installment payments, or usage-based pricing models—all settled with good funds in seconds.
- With 24/7/365 availability, RfP™ over RTP® or FedNow® enables businesses to eliminate ACH wait times, reduce payment fraud, and deliver an exceptional customer experience.
- Using QR codes and SMS-based invoicing, merchants can turn their physical receipts, emailed bills, or customer texts into actionable, real-time payment prompts that convert instantly.
- The integration of real-time rails with hosted payment flows and ISO 20022 messaging allows for complete control over cash flow, reconciliation, and compliance.
US merchants can use FedNow to facilitate recurring digital, invoicing, and email real-time payment requests by following these steps:
Set up an account with a financial institution that supports FedNow. As mentioned earlier, not all financial institutions support FedNow, so merchants will need to ensure that their bank or payment processor is compatible with the system.
Once the merchant has an account with a FedNow-supported financial institution, they can leverage the payment gateway or payment processor's API to integrate real-time payment requests for recurring digital transactions, invoicing, or email payment requests. The API will allow the merchant to customize the payment requests to include relevant information such as the amount due, payment schedule, and any other relevant details.
The merchant can then generate a payment request for recurring transactions, which will include the payment amount and payment schedule. The payment request can be sent via email or invoicing, depending on the merchant's preference.
The customer will receive the payment request and can make the payment through their bank's mobile app or online banking portal. The payment will be processed in real-time, and the funds will be immediately transferred to the merchant's account.
The merchant can then track and reconcile payments using the payment gateway or payment processor's reporting tools.
Overall, leveraging FedNow to facilitate recurring digital, invoicing, and email real-time payment requests can help merchants streamline payment processes, reduce payment delays, and improve cash flow. It's important to work with a payment gateway or payment processor that is compatible with FedNow and can provide the necessary APIs to integrate real-time payment requests.
Say goodbye to delays, bounced payments, and outdated collection methods. With TodayPayments.com, you can send Real-Time Payment Requests that convert in seconds—via mobile, email, SMS, or QR code—with funds deposited instantly using RTP® or FedNow®.
✅ Send mobile-friendly payment
prompts instantly
✅ Receive irrevocable good
funds, 24/7/365
✅ Batch upload RfPs using ISO
20022 formats
✅ Automate recurring payment
requests for subscriptions or invoicing
✅ Use
hosted checkout pages—no coding required
✅
Sync with QuickBooks® and reconcile in real-time
Ready to speed up your cash
flow?
Visit
https://www.TodayPayments.com and activate your real-time
payment request system today.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
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.
... 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.
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 Requests 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
