Payments Request with Real-Time Good Funds Using RTP® and FedNow®

Payments Request with Real-Time Good Funds Using RTP® and FedNow®

Instant Payments Made Easy with Hosted RfP™ Links

Businesses today can’t afford to wait days for payments or wrestle with uncertain collections. That’s why the future of transactions belongs to Request for Payments (RfP™) enabled by RTP® and FedNow® real-time rails. Whether your business runs on POS, MOTO, or ecommerce, real-time payments ensure Good Funds are received instantly—with no chargebacks, no ACH delays, and no manual reconciliation.

With TodayPayments.com, merchants can now send secure hosted RfP™ links via text, email, or invoice. Customers choose how they pay—FedNow®, RTP®, ACH, cards, or BNPL—while you receive final-settlement payments with ISO 20022-compliant messaging, alias-based MIDs, and AR automation built in.

Payments Request (RfP™) is the next-generation invoicing and transaction model that allows payees (merchants) to initiate real-time payment links across POS, phone (MOTO), and ecommerce channels. These requests can be sent via SMS, email, QR code, or embedded invoice—allowing the payer to choose their preferred payment rail and complete the transaction with real-time settlement.

RfP™ links route to a hosted payment page provided by TodayPayments.com, allowing for instant payments using FedNow®, RTP®, ACH, card, or financing. Payments are processed using ISO 20022 standards, enabling certified, trackable, and alias-based MID (Merchant ID) routing.

Itemized Real-Time Payments Parameters, Attributes, Features & Long-Tail SEO Benefits

Key Parameters of Real-Time Payments via RfP™

• Rails: RTP® (The Clearing House), FedNow® (Federal Reserve), ACH, Cards, BNPL
• Payment Speed: Real-Time (Under 10 seconds), 24/7/365
• Channels Supported: POS, MOTO, Ecommerce, Invoicing
• File Format Compliance: ISO 20022 (XML, Excel, JSON)
• Payment Request Delivery: SMS, Email, QR, Embedded Link
• Payment Types: A2A, B2B, C2B (One-Time or Recurring Batches)
• Integration: Hosted Payment Page—No Custom Coding
• Funds Type: Irrevocable “Good Funds,” no chargebacks
• Reconciliation: Auto-synced to AR ledgers in real-time

Core Features of TodayPayments.com Real-Time Payment Requests

1. Payee-Initiated Request for Payments (RfP™)

Merchants control the payment timeline. Send hosted RfPs via email, text, or invoice—customers complete transactions on secure, mobile-optimized pages.

2. FedNow® and RTP® Network Compatibility

All payment links connect to real-time payment rails—ensuring instant funding regardless of payer’s bank or time of day.

3. Alias-Based MID Assignment

Assign MIDs to departments, locations, or team members using email or phone numbers—simplifies reconciliation and internal tracking.

4. ISO 20022 Messaging Compliance

Each transaction includes remittance and audit data, supporting advanced banking integration and global standards for payments and compliance.

5. Hosted Payment Pages

No code required. Every RfP includes a branded, mobile-ready hosted payment page—eliminating integration delays and deployment costs.

6. Automatic AR Reconciliation

Payments automatically update your ledger, sync with AR workflows, and eliminate outstanding balances in real time—perfect for B2B and service-based businesses.

Ask us How:

• Merchants can now send Payment Requests (RfP™) to customers via SMS, QR, or email using ISO 20022-compliant links that trigger FedNow® or RTP® real-time payments.
• Each RfP™ transaction is settled in seconds and posts irrevocable Good Funds directly to the merchant’s account—available 24/7, even on weekends and holidays.
• Unlike cash discounting or credit card models, Payments Request via RTP® or FedNow® uses alias-based merchant IDs and ISO 20022 messaging to streamline reconciliation.
• Hosted Payment Pages built into each RfP™ enable customers to choose how they pay—ACH, real-time, cards, or financing—without exposing merchant data or relying on third-party portals.
• Batch upload features support Excel, JSON, and XML formats, enabling merchants to process large volumes of payments with certainty and control.
• TodayPayments.com supports full lifecycle invoicing with AR automation, recurring RfP™ triggers, and flexible MID assignment across departments or teams.
• Businesses using POS, phone orders (MOTO), or ecommerce can instantly convert payment requests into settled Good Funds with built-in RfP™ routing and secure hosted pages.

Why Businesses Choose TodayPayments.com for Real-Time Payments

1. Enable payee-initiated RfPs using ISO 20022 standards
2. Get paid through FedNow® or RTP®—instantly, 24/7
3. Assign alias-based MIDs to employees, departments, or locations
4. Process and track payments across all U.S. banks and credit unions
5. Receive funds with hosted payment pages—no coding required
6. Eliminate AR aging with real-time reconciliation built in
7. Apply and onboard online—no bank visit necessary

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US companies can use RfP (Request for Payment) FedNow Payments Request to send and receive payments in real-time. Here's how a US company can use RfP FedNow Payments Request:

Set up a FedNow account: To use RfP FedNow Payments Request, a US company must first set up a FedNow account with a participating bank.

Initiate a payment request: To initiate a payment request using RfP FedNow Payments Request, the US company would typically log into their FedNow account or use an API provided by their bank to create a payment request. The request would include details such as the amount to be paid, the recipient's information, and any other relevant details.

Submit the payment request: Once the payment request is created, the US company would submit it to the FedNow system using the appropriate API or interface provided by their bank.

Monitor the payment status: After submitting the payment request, the US company would typically monitor its status to ensure that the payment is processed correctly. This can be done through the FedNow account or using an API provided by their bank.

Receive payments: In addition to sending payments using RfP FedNow Payments Request, US companies can also receive payments in real-time. To do this, the company would need to provide their customers with a payment link that leads directly to the payment request form. Once the customer submits the payment request using FedNow, the US company should receive the funds quickly.

It's important to note that the specific steps and requirements for using RfP FedNow Payments Request may vary depending on the US company's specific situation and the agreements they have in place with their bank. It's important to work closely with their bank to ensure that they understand the process and any associated fees or requirements.

Want to turn every invoice into instant Good Funds—without ACH delays, chargebacks, or manual AR work?

At TodayPayments.com, we help you activate Request for Payments (RfP™) across FedNow®, RTP®, ACH, and card rails. You send the request—your customers pay on secure, mobile-friendly pages—and you receive 100% settled Good Funds in seconds.

✅ Hosted RfP™ Pages
✅ ISO 20022-Compliant Messaging
✅ Real-Time Funds, Real-Time Reconciliation
✅ Alias-Based MID Assignment
✅ Fully Remote Signup

👉 Visit TodayPayments.com to activate Real-Time Payments with Hosted RfPs today.
No code. No delay. Just real money—fast.

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."

Our Real-Time Payment Platform Hub

Process with the Payments Request Professionals