Why Accept RTP® Real-Time Payments for Any Industry?
Instant Settlements Lower Costs & Secure Transactions
Accept RTP® Real-Time Payments for Any Industry – Even High-Risk Merchants
The Evolution of Instant Business Payments
Businesses of all sizes—from SMBs to high-risk merchants—are constantly seeking faster, more secure, and lower-cost payment solutions. Traditional payment methods like ACH, wire transfers, and credit card transactions come with long settlement times, excessive fees, and increased chargeback risks.
With RTP® (Real-Time Payments), companies can now send and receive payments instantly, 24/7/365, regardless of banking hours. This technology enables B2B, C2B, and even high-risk industries to access faster, more reliable payment processing while reducing transaction costs and eliminating chargebacks.
Powered by TodayPayments, a premier RTP® processor, businesses can seamlessly integrate Request for Payments (RfP) via mobile, text, and email with .html linking, enabling smooth transactions for both payees and payers. Additionally, RTP® Bill Pay ensures efficient vendor and customer payments, eliminating traditional delays.
ISO 20022 Messaging – Secure, Standardized, & Automated Transactions
Traditional bank transfers, credit card payments, and ACH transactions can slow down business operations. RTP® offers real-time, direct-to-bank transactions that speed up cash flow and provide businesses with a more efficient financial ecosystem.
Key Benefits of RTP® for Businesses & High-Risk Merchants
✅ Instant Settlements –
Receive payments in seconds, not days
✅
Works Across All Industries – Supports SMBs, e-commerce,
healthcare, finance, and high-risk merchants
✅
Lower Transaction Fees – Reduce costs compared to credit
card processing & wire transfers
✅ No
Chargebacks – RTP® payments are final and cannot be
reversed, eliminating fraud risks
✅
24/7/365 Payment Processing – No more waiting for bank hours
or weekend processing
Industries That Benefit from RTP®:
✅ E-commerce & Retail – Speed up checkout
& supplier payments
✅ Healthcare & Telemedicine
– Instant medical billing & insurance payouts
✅
Legal & Financial Services – Immediate settlements & payroll
processing
✅ Subscription & SaaS Businesses
– Enable recurring payments with real-time transactions
✅
High-Risk Merchants – Including CBD, gaming, adult
industries, crypto, and financial services
Ask us how:
"Accept RTP® real-time payments for
high-risk merchants and SMBs"
"How to integrate RTP®
with all banks & credit unions for instant business payments"
"Request for Payments (RfP) via mobile, text, and email with
.html linking"
"RTP® Bill Pay for B2B and C2B real-time
transactions"
"ISO 20022 messaging for secure and
automated RTP® payments"
Request for Payments (RfP) – Mobile, Text & Email Payment Solutions
How TodayPayments Enables Seamless RTP® RfP Transactions
Request for Payments (RfP) allows businesses to request and receive payments instantly, creating a seamless transaction experience for both payees and payers. Businesses can send secure payment requests via mobile, text, or email with a .html payment link, allowing customers or vendors to approve payments in real time.
How RTP® RfP Works:
✔ Step 1 – A business sends a real-time
payment request (RfP) via mobile, text, or email
✔ Step 2 – The recipient receives a secure
.html payment link
✔ Step 3 – The
customer clicks the link and completes the transaction
instantly
✔ Step 4 – Funds are
transferred in real-time via RTP®, with instant confirmation
Key Advantages of RTP® RfP for Businesses & High-Risk Merchants
✔ Eliminates Late Payments
– Get paid instantly without ACH delays
✔
Frictionless Customer Experience – Payments can be completed
in seconds
✔ Fraud-Free Transactions
– No chargebacks, disputes, or unauthorized reversals
✔
Compatible with All Banks & Credit Unions – No third-party
restrictions
RTP® Bill Pay – Real-Time B2B & C2B Transactions for Every Industry
Transform Business Payments & Vendor Settlements
With RTP® Bill Pay, businesses can streamline supplier, vendor, and customer payments by ensuring instant, direct bank transfers—eliminating the inefficiencies of wire transfers and ACH payments.
How RTP® Bill Pay Works:
✔ Step 1 – Business sends a bill or invoice
via QuickBooks®, ERP systems, or TodayPayments’ API
✔
Step 2 – Customer or vendor receives a real-time payment
request
✔ Step 3 – Payment is processed
instantly via RTP®, ensuring fast settlement
✔
Step 4 – Transaction is automatically logged with ISO
20022 messaging compliance
Top Benefits of RTP® Bill Pay for Businesses
✔ 24/7/365 Payment Processing
– No more bank cut-off times or weekend delays
✔
Eliminates Credit Card Fees – Direct bank-to-bank
transactions with no middlemen
✔ Ideal for B2B
& C2B Transactions – Pay suppliers, vendors, and customers
instantly
✔ ISO 20022 Messaging – Ensures
structured, secure, and automated payment reconciliation
ISO 20022 Messaging – Secure, Standardized, & Automated Transactions
Why ISO 20022 Compliance Matters for RTP® Payments
All RTP® transactions follow ISO 20022 messaging, ensuring payments include structured, secure, and automated transaction data for businesses and financial institutions.
✔ Automated Payment Reconciliation – Reduces manual tracking errors✔ Fraud Prevention & Data Security – Protects transactions with real-time encryption
✔ Standardized Global Transactions – Ensures compliance across banking networks
By integrating ISO 20022-compliant RTP® payments, businesses can improve financial tracking, reduce fraud, and enhance transaction transparency.
Accept RTP® Payments Today with TodayPayments
Your business deserves faster, more secure, and lower-cost payment solutions. Whether you're an SMB, enterprise, or high-risk merchant, TodayPayments ensures you can accept real-time RTP® transactions through all banks and credit unions.
With
TodayPayments, a premier RTP® processor, you get:
✔ Instant real-time payments for all
industries—including high-risk merchants
✔ Request
for Payments (RfP) via mobile, text & email with .html links
✔ Real-time RTP® Bill Pay for B2B & C2B transactions
✔ Lower transaction fees & no chargebacks
✔
ISO 20022-compliant transactions for automated reconciliation
í ½íº€ Upgrade to RTP® real-time payments today and stay ahead of the competition! í ½íº€
Creation Request for Payment Bank File
Enhance Your FedNow Companies 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
