

FedNow & Real-Time
Payments
Solutions
Online integrated Origination, Sending, Receiving and Recordation of all Good Funds Transfers.
"All participants receive instant real-time electronic notifications. Use our online Payment Gateway interface or integrate your in-house system with our API"
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Credit Card Processing
Retail Face-to-Face
Mail Order Telephone Order
eCommerce Internet Sales
eMail Invoicing

Check Processing
Online Reporting with Images
Stop Going to the Bank
Next Day Funding
Check 21 - Remotely Create Checks
Electronic Check
RTP® Real-Time Payments – FedNow® Bill Pay for Immediate B2B Settlements
Secure, Instant, and Automated Digital Invoicing
RTP® Real-Time Payments – FedNow® Request for Payment "RfP" for Instant B2B Settlements
Faster, More Secure Settlements Using Real-Time Digital Invoicing
Pay Bills B2B with FedNow® Real-Time Instant Payments from A2A Transactions Using Request for Payments enhances real-time B2B transactions through RTP®. With mobile-based invoicing, businesses can request, track, and process payments instantly, reducing settlement delays and financial bottlenecks. ISO 20022 messaging standardizes financial transactions, ensuring higher security, compliance, and automation.
By integrating FedNow® RfP with RTP®, businesses can securely automate large transactions, improving financial transparency and operational agility. Real-time digital invoicing eliminates manual intervention, allowing businesses to modernize their payment systems and optimize financial management.
- RTP® real-time B2B transactions with FedNow® RfP invoicing
- ISO 20022 automated request-for-payment for instant RTP® settlements
- Secure digital invoicing for high-value business transactions
- Instant vendor payments using RTP® Real-Time Payments & FedNow® RfP
Faster and More Reliable Payment Processing for Businesses
RTP® Real-Time Payments – FedNow® Bill Pay for Instant B2B Settlements
Secure and Instant Real-Time Payments for Businesses
FedNow® Bill Pay leverages RTP® Real-Time Payments to enable instant B2B settlements, reducing transaction delays and improving operational efficiency. With ISO 20022 messaging, businesses can securely process digital invoices, automate reconciliations, and optimize financial reporting. This solution eliminates the need for paper invoices and enhances financial transparency.
By integrating FedNow® Bill Pay with RTP®, businesses can automate high-value recurring transactions, ensuring faster processing and improved compliance. This system supports real-time account funding, reducing processing costs and increasing payment security. For businesses dealing with suppliers, vendors, and service providers, RTP® Real-Time Payments ensures a seamless, digital-first financial experience.
- Automated ISO 20022 invoicing for instant RTP® transactions
- Instant vendor and supplier payments using RTP® and FedNow® Bill Pay
- RTP® Real-Time Payments with FedNow® Bill Pay for B2B settlements
- Secure and seamless real-time digital payment processing for businesses
Creation Request for Payment Bank File
Enhance Your FedNow Bill Pay 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 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