Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Instant Request for Payment (RfP) with Alias Routing for Real-Time Good Funds

TodayPayments.com provides businesses with secure, real-time Request for Payment tools that enable alias-based invoicing, fast cash flow, and instant Good Funds settlement.

TodayPayments.com empowers merchants, platforms, and financial institutions with next-gen RfP invoicing. Our alias-ready platform simplifies payment requests, accelerates collections, and ensures finality using ISO 20022 message standards—enabling businesses to receive real-time Good Funds with zero friction.

Rethink Invoicing with Alias-Based Instant RfP

Instant Request for Payment allows businesses to send aliases for real-time, secure payment requests with instant settlement, streamlining invoicing and accelerating cash flow collection. Payees send Request for Payments (RfP) to Payers and receive Good Funds.

Traditional invoicing systems are slow, error-prone, and risk late payments. But Instant Request for Payment (RfP) changes that by allowing businesses to send secure, alias-based payment requests in real time—with funds settling instantly. No delays, no chargebacks—just Good Funds.

Whether you're billing consumers (C2B), clients (B2B), or processing account-to-account (A2A) payments, RfP with alias routing simplifies the process. It lets Payees send digital requests using a phone number, email, or tokenized ID, triggering an immediate payment from the Payer.

Turn Every Request into Real-Time Revenue

Ask us How:

Instant Request for Payment allows businesses to send aliases for real-time, secure payment requests with instant settlement, streamlining invoicing and accelerating cash flow collection. Payees send Request for Payments (RfP) to Payers and receive Good Funds.

TodayPayments.com supports instant payment requests over RTP® and FedNow®, allowing businesses to reduce payment lags and eliminate bounced transactions. Using alias routing, Payers can authorize payments from their bank apps or web portals without needing to enter account numbers.

With full support for ISO 20022 messaging, each RfP includes structured metadata like customer ID, reference number, purpose code, and due date—allowing for precise reconciliation and audit tracking. Payees receive irrevocable Good Funds, verified in real time.

Batch processing is easy. Simply upload Excel, .XML, or .JSON files with your invoice details, and TodayPayments.com handles the delivery and routing of RfP requests. This allows enterprise clients to automate hundreds or thousands of payment requests—with certainty and finality.

Core Parameters

  • Request Method: Request for Payment (RfP)
  • Routing: Alias-based (Email, Mobile, Token)
  • Settlement Time: Instant (under 10 seconds)
  • Payment Confirmation: Yes (Good Funds Only)
  • Messaging Standard: ISO 20022
  • Batch Upload Support: Excel, XML, JSON
  • Transaction Types: A2A, B2B, B2C, C2B
  • Network Compatibility: RTP®, FedNow®

Key Attributes

  • Alias Routing – Request payments using phone, email, or ID
  • Reusable Requests – Great for recurring billing or subscription cycles
  • Mobile-Ready – Send RfP via SMS or app notification
  • ISO 20022 – Structured metadata for reconciliation & compliance
  • Trackable – Know when a request is sent, viewed, and paid
  • Instant Receipt – Receive real-time Good Funds directly

Top Business Benefits

  • Accelerate invoice settlement to seconds, not days
  • Eliminate chargebacks and reversals using push payments
  • Improve AR turnover and financial forecasting
  • Enable automation with batch request uploading
  • Use alias identities to avoid managing sensitive bank info
  • Get paid 24/7/365—even on weekends and holidays

Platform Features

  • Send RfP via dashboard, API, or mobile trigger
  • Alias mapping with multi-bank identity resolution
  • Support for .xlsx, .xml, .json file uploads
  • Request fields: Invoice ID, Due Date, Amount, Description
  • Built-in compliance with ISO 20022 messaging standards
  • Custom branding and payer messaging templates

FedNow, the instant payment service developed by the Federal Reserve, offers several features that can benefit businesses by enabling faster, more efficient, and secure payment processes. One such feature is the "Request for Payment" (RfP), which allows businesses (Payees) to request payment from their customers or clients (Payers). Here's how businesses can use FedNow's RfP feature:

Benefits of Using FedNow's RfP for Businesses

  1. Instant Payments: Payments can be made instantly, providing immediate access to funds and improving cash flow.
  2. Convenience: Simplifies the payment process for both payers and payees, reducing the need for checks or manual processing.
  3. Security: Enhanced security measures reduce the risk of fraud and ensure secure transactions.
  4. Automation: Streamlines accounts receivable processes, integrating easily with existing accounting systems like QuickBooks Online.

How to Implement FedNow's RfP in Your Business

  1. Integration with Accounting Software: Ensure your accounting software supports FedNow. Many modern platforms, including QuickBooks Online, offer integrations with FedNow or similar instant payment services.
  2. Setup and Configuration:
    • Register with FedNow: Your business must be registered with the FedNow service through your financial institution.
    • Configure RfP: Set up the Request for Payment feature in your accounting software. This may involve configuring payment request templates and linking your business bank account.
  1. Sending Requests:
    • Create a payment request in your accounting software.
    • The request can be sent directly to the payer via email, SMS, or through an integrated payment portal.
  1. Receiving Payments: Once the payer approves the payment request, funds are transferred instantly to your business bank account.
  2. Tracking and Reconciliation:
    • Payments received through FedNow can be automatically reconciled in your accounting software.
    • This helps maintain accurate records and reduces manual entry errors.

Example Workflow with QuickBooks Online

  1. Create an Invoice: Generate an invoice for the services or products provided.
  2. Send RfP:
    • In QuickBooks Online, select the option to send a payment request via FedNow.
    • The payer receives a notification with the payment details.
  1. Payer Action:
    • The payer approves the payment request.
    • Funds are transferred instantly.
  1. Automatic Reconciliation:
    • The payment is automatically matched to the invoice in QuickBooks Online.
    • The invoice status updates to "Paid."

Key Considerations

  • Bank Support: Ensure your bank supports FedNow transactions.
  • Transaction Limits: Be aware of any transaction limits imposed by FedNow or your financial institution.
  • Fees: Understand any fees associated with using FedNow for business payments.

By leveraging FedNow's RfP feature, businesses can enhance their payment processes, improve cash flow, and provide a better overall experience for their customers.

Upgrade your invoicing process to the real-time era.

With TodayPayments.com’s Instant Request for Payment, you can:

✅ Send secure, alias-based payment requests
✅ Eliminate ACH waiting times and card chargebacks
✅ Receive real-time Good Funds 24/7/365
✅ Batch process payments using ISO 20022 formats
✅ Boost collections, streamline AR, and scale with confidence

Visit https://www.TodayPayments.com to activate your Instant RfP Platform and collect payments the modern way—with certainty, security, and speed.

 

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."

Creation Request for Payment Bank File

Text Mobile Request for Payment Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Payment

... 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.

Pricing with our Request For Payment Solutions

hand shake

 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support


2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Instant Request For Payment system.

Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG


4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

Contact Us for Request For Payment payment processing