Enter FedNow® and RTP® Merchant Accounts with Instant Payment Processing
How to use Real-Time Payments, RfPs, and Hosted Payment Pages with ISO 20022
Enter into The RTP® Service Instant Payment Network
Transforming Business Transactions with RTP®
In today's fast-moving digital economy, businesses need a secure, real-time payment solution that operates 24/7 with instant settlement. The Real-Time Payments (RTP®) network offers a cutting-edge infrastructure that enables businesses to send and receive funds instantly across financial institutions.
At TodayPayments.com, we specialize in RTP® merchant account processing, allowing businesses to seamlessly connect with multiple banks and credit unions for instant transactions.
Top Features That Make TodayPayments.com a Premier Choice
Why Choose The RTP® Service?
What is The RTP® Service?
The RTP® network is a real-time payment system that enables instant transactions between businesses and financial institutions. It is designed to enhance cash flow, reduce transaction costs, and provide businesses with round-the-clock payment capabilities.
How Does RTP® Benefit Businesses?
With RTP®, businesses can eliminate delays in receiving payments, ensuring faster access to funds, improved financial planning, and better cash management.
Key Features of The RTP® Service
Alias-Based Transactions for Privacy & Security
Businesses can use a mobile number or email address as a transaction alias, eliminating the need to share full banking details.
Multiple Merchant Identification Numbers (MIDs)
We assign unique MIDs for each business alias, making payment tracking simple and efficient.
Seamless QuickBooks® Integration
Businesses can integrate RTP® payments directly into QuickBooks® QBO, ensuring easy reconciliation and streamlined accounting.
⚡ Instant Payment Settlement
Unlike traditional banking transactions, RTP® ensures funds are available immediately, improving liquidity and cash flow.
Manage Multiple Bank Accounts Securely
Our platform allows businesses to link multiple RTP® accounts from different banks, enabling centralized payment management with a single login.
How to Apply for an RTP® Merchant Account?
✅ Step 1: Sign Up Online at TodayPayments.com
The application process is fast, digital, and paperless for instant merchant account activation.
✅ Step 2: Securely Register Your Alias
Use a mobile number or email address as your alias to enable secure RTP® transactions.
✅ Step 3: Connect Multiple Bank Accounts
Seamlessly link your existing RTP® accounts across various financial institutions for simplified account management.
✅ Step 4: Start Accepting Instant Payments
Once approved, you can send and receive RTP® payments instantly through our easy-to-use interface.
Benefits of Using RTP® for Merchant Payments
Lower Transaction Costs
RTP® payments are more cost-effective than traditional wire transfers and credit card processing fees.
24/7 Availability
Unlike ACH payments, which operate on banking hours, RTP® payments are available anytime, including weekends and holidays.
Increased Security with Alias Transactions
Using monikers like phone numbers or email addresses instead of full banking details helps protect businesses from fraud and data breaches.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
Our system automatically reconciles RTP® transactions to provide real-time financial tracking and reporting.
Industries That Benefit from The RTP® Service
E-Commerce & Online Retail
Offer instant payment methods at checkout to enhance customer experience and improve cash flow.
B2B & Corporate Payments
Reduce transaction delays for vendor payments, supplier settlements, and business-to-business transactions.
Subscription-Based Businesses
Ensure timely and hassle-free recurring billing with instant fund transfers.
Freelancers & Independent Contractors
Receive client payments in real time with no processing delays or bank hold times.
Join The RTP® Network Today!
At TodayPayments.com, we empower businesses to leverage real-time payments with RTP®.
✔️ Instant transactions with
24/7 accessibility
✔️ Lower fees compared
to traditional payment methods
✔️ Secure
alias-based transactions to protect financial details
✔️ Automated reconciliation and QuickBooks®
integration
✔️ Simplified multi-bank
account management
Sign up now
Creation Request for Payment Bank File
Enhance Your Enter FedNow using 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
