RTP Real-Time Payments Request For Pay
What is RTP Real-Time Payments Request For Pay
RTP® Request for Pay (RfP) – Real-Time Payment Processing Made Simple
RTP® Request for Pay (RfP) is a modern, secure, and instant way to request and collect payments using real-time rails. It empowers U.S. businesses to send RfP messages and receive instant payments through both the RTP® network and FedNow® Service, all while operating across multiple banks and credit unions in all 50 states.
Our platform simplifies real-time payments by issuing Merchant Identification Numbers (MIDs) to businesses using alias identifiers like cell phone numbers or email addresses. This removes the need to expose sensitive financial account details, while ensuring faster, more secure payment requests.
Instant Payments Start with Smart Requests
In a digital economy, delays are a dealbreaker. With RTP® Request for Pay (RfP), you can streamline payment collection, improve cash flow, and automate real-time settlement—without waiting for ACH transfers or mailed checks.
Businesses can use alias-based IDs such as mobile numbers and email addresses instead of complete bank account numbers. Our system provides multiple MIDs across different financial institutions, enabling you to manage divisions, branches, or subsidiaries under one smart payment platform.
This solution supports the FedNow® Service and the RTP® network, making it ideal for any merchant ready to adopt next-generation financial infrastructure.
Features and Advantages of RTP® Request for Pay (RfP)
Alias-Based MIDs for Each Phone or Email
Assign unique MIDs to your cell phone numbers or email
addresses—enabling secure, alias-based payment routing across
banks.
Multi-Bank and Multi-Credit Union
Compatibility
Use one platform to connect with several
financial institutions nationwide. Manage all real-time payments
in one consolidated system.
Support for Both FedNow® and RTP® Rails
Gain access to real-time transactions through both major U.S.
payment rails. Request funds and receive them in seconds—24/7/365.
Request for Payment (RfP) with ISO 20022
Integration
Use our ISO 20022-compliant tools to send out
RfP messages via email, SMS, or embedded payment pages—driving
faster collection and easier reconciliation.
No Bank Visits Required
Sign up and
process real-time payments online. We are a U.S.-based accounting
fintech company—not a bank—offering 24/7 merchant processing
access.
Merchant Coverage Across All 50 States
From single-entity Schedule C filers to multi-state corporations,
we support every type of merchant—sole proprietors, partnerships,
LLCs, S-Corps, and C-Corps.
POS and Digital Payment Support
Process payments via text, email, mobile invoice, POS terminals,
or MOTO. Accept payments anywhere, anytime, through any method.
Why Choose Our RTP® + FedNow® Payment Solution?
1. Instantly issue RfPs via mobile, web,
or text using hosted payment links
2. Secure alias-based
payments with 100+ email and phone MIDs available
3.
Enable FedNow® and RTP® processing from multiple banks under one
account
4. Enjoy full integration with QuickBooks® QBO
for real-time reconciliation
5. No paperwork, no bank
appointments—just instant, verified onboarding
6. Serve
all customer types with ISO 20022 messaging and real-time funds
movement
RTP Real-Time Payments Request For Pay can be used by US businesses to request payments from customers or other businesses.
Here are some steps to follow:
Set up an RTP Request for Pay account: Businesses, to send and receive A2A transactions, need to set up an RTP Request for Pay account with a participating bank or payment processor that offers this service.
Create a payment request: Businesses can create a payment request using their payment management system or the payment processor's online portal. The payment request should include the payment amount, payment due date, and any additional information related to the payment.
Send the payment request: Businesses can send the payment request to their customer or business partner via email, text message, or other electronic means. The payment request will include a link or QR code that the recipient can use to initiate the payment.
Receive payment: Once the payment request is sent, the recipient can initiate the payment using their preferred payment method. The payment will be processed in real-time, and the funds will be deposited into the business's account within seconds.
Confirm payment: Once the payment is received, the business should confirm the payment in their payment management system or the payment processor's online portal.
Get Started with RTP® RfP at TodayPayments.com
Ready to stop chasing payments and start requesting them in real time?
With RTP® Request for Pay (RfP), you can:
✅ Send payment requests via
email, mobile, or hosted RfP links
✅ Accept
real-time payments through FedNow® and RTP®
✅ Assign multiple MIDs to aliases like phone numbers
or emails
✅ Enroll accounts with several banks and
manage them in one place
✅ Integrate your payment
system into QuickBooks® with live reconciliation
✅ Serve every state and merchant type—including
high-risk and startups
Apply online now at https://www.TodayPayments.com
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 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.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your 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 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.
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% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our RTP Real-Time Payments Request For Pay 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 Request For Payment payment processing
