Free RTP® Service Real-Time Payments with Request for Payment (RfP) Digital Invoicing & ISO 20022
Free RTP® Service Real-Time Payments with Request for Payment (RfP) Digital Invoicing & ISO 20022
Revolutionizing B2B Transactions with RTP®
Service
In today’s fast-moving digital economy,
businesses demand faster, secure, and cost-effective payment
solutions to streamline operations and improve cash flow. The
Real-Time Payments (RTP®) Service is transforming B2B payments
by enabling instant transactions with zero fees for
merchants.
With Request for Payment (RfP) digital invoicing and ISO 20022 messaging coding, businesses can now automate invoicing, enhance payment security, and achieve full compatibility with global financial systems. Best of all? The payer covers the merchant processing fees, allowing businesses to receive payments without deductions.
Say goodbye to credit card fees, ACH delays, and bank transfer wait times—the RTP® Service delivers a seamless, 24/7 real-time payment solution that keeps your business moving forward.
Request for Payment (RfP) Digital Invoicing for B2B Transactions
Free RTP® Service Real-Time Payments with RfP Digital Invoicing & ISO 20022
Why Businesses Are Choosing RTP® Service
Unlike traditional payment networks, the RTP® Service provides real-time, secure, and cost-efficient transactions that eliminate delays and hidden fees. With RfP digital invoicing and ISO 20022 compliance, businesses can automate invoicing, reduce processing errors, and ensure seamless integration with accounting systems.
Here’s why your business should switch to RTP® today:
Key Benefits of RTP® Service & RfP Digital Invoicing
✅ Zero Transaction Fees – Payer Covers Processing Costs
- Businesses receive 100% of their invoice payment with zero deductions.
- The payer absorbs the processing fees, eliminating traditional 2.5% - 3.5% merchant fees.
- Avoid costly credit card interchange fees and ACH transfer costs.
✅ Instant Real-Time Payments – No Waiting for Funds
- Payments settle instantly, improving cash flow and liquidity.
- No ACH delays, wire transfer holds, or credit card processing lags.
- Funds are deposited directly into your business account in real-time.
✅ Request for Payment (RfP) Digital Invoicing for B2B Transactions
- Automated invoicing reduces administrative work and payment delays.
- Businesses can send RfP digital invoices with payment requests in real time.
- Seamlessly integrates with QuickBooks®, Xero, and other accounting software.
✅ ISO 20022 Messaging for Global Payment Standardization
- Ensures seamless cross-border payments and full banking system compatibility.
- Enhances payment security and transaction transparency with rich data messaging.
- Reduces payment errors, chargebacks, and compliance issues.
✅ 24/7/365 Availability – No Banking Hour Restrictions
- RTP® payments operate round-the-clock, including weekends and holidays.
- Businesses can send and receive payments anytime, without delays.
✅ Enhanced Security & Fraud Protection
- End-to-end encryption and authentication prevent fraudulent transactions.
- Irreversible payments protect businesses from chargebacks and payment reversals.
- ISO 20022 messaging enhances data security and compliance.
How RTP® Service with RfP Invoicing Improves Business Operations
Faster Business-to-Business (B2B) Payments
- Instantly settle supplier invoices, vendor payments, and service fees.
- Improve cash flow predictability with real-time payment confirmation.
️ Ideal for E-Commerce & Subscription Businesses
- Accept real-time payments without credit card fees, increasing profit margins.
- Faster order processing due to instant fund settlement.
Streamlined Payroll & Gig Worker Payments
- Pay employees, freelancers, and contractors instantly.
- Reduce payroll processing costs by eliminating direct deposit fees.
ISO 20022 Integration for Financial Institutions
- Enhanced payment standardization ensures seamless bank integration.
- Reduces errors in cross-border transactions and B2B settlements.
Transform Your Business Payments with RTP® & TodayPayments.com
Are you ready to eliminate payment processing fees and get paid instantly? Upgrade to the RTP® Service with Request for Payment (RfP) invoicing and ISO 20022 messaging today!
Zero transaction fees –
the payer covers costs
Instant payments
with real-time settlements
Automated RfP
invoicing for B2B transactions
ISO 20022
compliance for global compatibility
Sign up with TodayPayments.com and start accepting free real-time payments today!
Creation Request for Payment Bank File
Enhance Your Free FedNow Service 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
