Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B Using Instant Payments Solutions
TodayPayments.com provides trusted, instant
payment infrastructure built on RTP® rails to help banks, fintechs, and
merchants accelerate cash flow, eliminate risk, and deliver secure,
real-time payment solutions to every customer and partner.
TodayPayments.com is the leading platform for
RTP® Instant Payments integration, batch processing, and invoicing
automation. Our RTP® solutions empower financial institutions
and businesses to offer real-time payments with ISO 20022 messaging,
Excel and JSON batch support, and digital invoicing for all A2A, B2B,
B2C, and C2B flows—with total settlement certainty and zero
chargeback risk.
Modern Businesses Require Real-Time Precision
Speed, accuracy, and certainty are essential in
today’s business climate. Traditional banking rails create friction,
delay settlements, and risk revenue gaps. Real-Time Payments RTP®
solves these problems by enabling secure, immediate payments for
all flows—A2A, B2B, B2C, and C2B—with full fund finality and
zero chargebacks.
Instant Payments Solutions powered by RTP®
allow businesses and consumers to send and receive funds 24/7/365
with settlement certainty, ISO 20022 compatibility, and mobile
invoicing via Request for Payment (RfP). It's the future of
payments—already here.
Deliver Instant Results with RTP® at TodayPayments.com
Ask us How:
Real-Time Payments RTP® to Receive
and Pay A2A, B2B, B2C, C2B using Instant Payments Solutions
empowers businesses and consumers to send and receive
secure, real-time RTP® payments with instant settlement,
full payment certainty, and no chargebacks across all
transaction types.
With TodayPayments.com, banks and
businesses can upload ISO 20022-compliant RTP® transactions
in Excel, XML, or JSON file formats, automating
high-frequency payments like vendor disbursements (B2B),
account-to-account payouts (A2A), and consumer
refunds (C2B). These payments are processed within
seconds and are irrevocable, meaning no chargebacks
or reversals.
Request for Payment (RfP)
features allow payees to trigger secure digital invoices via
email or SMS with a one-click real-time payment experience.
Consumers can instantly respond, and businesses receive
settled, confirmed funds with ISO-tagged metadata for
immediate reconciliation.
Whether you're managing insurance
payouts, loan disbursements, medical reimbursements, or
marketplace seller payments, RTP® provides a proven
framework for real-time certainty, 24/7 accessibility, and
scalable automation.
RTP® Parameters
- ✅ Network: The
Clearing House RTP® Network
- ✅ Availability:
24/7/365 including holidays
- ✅ Settlement Speed:
Under 15 seconds
- ✅ Transaction
Model: Credit push only
- ✅ Payment Flows:
A2A, B2B, B2C, C2B
- ✅ Message Format:
ISO 20022
- ✅ File Upload
Types: Excel, XML, JSON
- ✅ Invoicing
Support: Request for Payment (RfP)
- ✅ Settlement
Finality: Irrevocable, no chargebacks
RTP® Attributes
- Real-time fund transfer and
confirmation
- Irrevocable payments = no
chargebacks
- Structured metadata via ISO
20022
- Batch upload-ready for
high-volume transactions
- Mobile and text invoicing
via RfP
- API-first integration with
banks, apps, and ERPs
RTP® Benefits
- Accelerates business cash flow
with instant settlement
- Eliminates costly chargebacks
and delays
- Improves customer satisfaction
with transparent payment confirmations
- Supports recurring billing and
batch disbursements
- Enhances reconciliation
with ISO 20022 fields
- Optimizes enterprise payout
operations and partner settlements
RTP® Features
- ✅ Immediate
transaction finality with “good funds” certainty
- ✅ ISO
20022-compliant message enrichment for detailed data
tagging
- ✅ Batch upload
capabilities with Excel, XML, and JSON formats
- ✅ Request for
Payment (RfP) to generate real-time invoices via
text/email
- ✅ Full audit trail
with rich data visibility
- ✅ Plug-and-play
API integrations for modern payment stacks
Payments shouldn't wait until tomorrow.
With TodayPayments.com’s Instant Payments Solutions,
your business can go live with RTP® transactions across
A2A, B2B, B2C, and C2B use cases—instantly and securely.
✅ Upload Excel, XML, or
JSON batches
✅ Trigger RfP digital invoices
via mobile
✅ Enjoy 24/7/365 availability and
fund finality
✅ Eliminate chargebacks and
manual follow-up
✅ Integrate RTP®
with your bank, ERP, or app stack
✅ Comply
with ISO 20022 messaging standards
Visit
https://www.TodayPayments.com to activate
Real-Time Payments RTP® for your business—batch-ready,
API-fast, and built for speed.
Creation Request for Payment Bank File
Enhance Your Instant Payments Solutions Payment 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 "Your Website" - Hosted Payments Page 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 Instant 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 Instant Payments Solutions payment processing pricing
