Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B Using Instant Payments Services
TodayPayments.com is dedicated to
powering businesses and financial institutions with RTP® Instant
Payments Services that deliver fast, secure, and fully traceable
transactions—optimized for seamless integration, 24/7 availability, and
payment certainty.
TodayPayments.com positions its RTP®
offering as a best-in-class, enterprise-grade real-time payment solution,
combining flexible file processing, mobile invoicing, and deep ISO 20022
support. Our platform enables companies to send and receive RTP®
transactions across all payment directions—A2A, B2B, B2C, and C2B—with
total speed, security, and no chargebacks.
Real-Time Finance for a Real-Time Economy
“Real-Time Payments RTP® to Receive and Pay
A2A, B2B, B2C, C2B using Instant Payments Services delivers fast,
secure, and real-time transaction capabilities with RTP® for
businesses and consumers, enabling instant settlement and seamless
cash flow across all payment directions without chargebacks.”
In an era of digital immediacy,
delayed payments are unacceptable. Businesses and consumers
alike demand fast, secure, and verifiable money movement—that’s
where RTP® (Real-Time Payments) takes center stage. Whether
you're a business paying suppliers, a platform issuing refunds, or a
consumer transferring funds, RTP® enables instant, irrevocable
settlement across A2A, B2B, B2C, and C2B payment types.
With full ISO 20022 compliance and batch
upload support, RTP® is designed for speed, certainty, and
seamless cash flow—delivered in seconds.
What are Instant Payments Services
Ask us How:
Real-Time Payments RTP® to Receive
and Pay A2A, B2B, B2C, C2B using Instant Payments Services
delivers fast, secure, and real-time transaction
capabilities with RTP® for businesses and consumers,
enabling instant settlement and seamless cash flow across
all payment directions without chargebacks. Whether
you're a fintech startup, a Fortune 500 company, or a small
business, RTP® ensures your funds move fast and reach their
destination securely—24/7.
Using ISO 20022-compliant message
specifications, businesses and credit unions can upload
structured payment files in Excel, XML, or JSON. These batch
uploads allow for one-time or recurring payments, especially
useful for vendor disbursements, customer refunds,
payroll payouts, and digital invoicing.
Mobile-friendly Request for Payment
(RfP) features allow you to collect payments via SMS or
email instantly, further simplifying customer billing. No
chargebacks, no manual follow-up, and no payment
ambiguity—just instant, clean settlement.
RTP® Parameters
RTP® is operated by The
Clearing House and supports:
- Credit-push model only –
every payment is initiated by the sender
- 24/7/365 instant settlement,
including weekends and holidays
- ISO 20022 message formatting
for rich payment data and automation
- Real-time Request for Payment
(RfP) for mobile-triggered invoices
- Batch upload support for
high-volume transactions using:
- ✅ Excel (.xlsx)
- ✅ ISO 20022 XML
- ✅ JSON APIs
- ✅ Excel (.xlsx)
All RTP® transactions settle within
seconds and are considered final—there are no chargebacks
or reversals.
RTP® Attributes
- ✅ Sub-10-second
settlement time for every transaction
- ✅ Irrevocable
“good funds” transfers with instant notification
- ✅ Always-on
infrastructure, never offline—even on holidays
- ✅ Mobile-ready and
platform-compatible
- ✅ Supports
recurring and one-time payments
- ✅ Enhanced
metadata tagging for reconciliation via ISO 20022
These RTP® attributes eliminate
uncertainty and manual intervention across financial
operations.
RTP® Benefits
RTP® enhances business outcomes
by:
- Improving cash flow with
instant receivables and reduced days sales outstanding
(DSO)
- Reducing payment fraud and
chargeback disputes
- Accelerating vendor payouts and
refund workflows
- Streamlining reconciliation and
audit trails with ISO-compliant fields
- Supporting automation of
recurring disbursements at scale
- Improving customer experience
with instant confirmations and transparency
RTP® Features
- ✅ ISO 20022
support for invoice details, payer ID, purpose code
- ✅ RfP-enabled
invoicing for mobile billing and pay-by-link flows
- ✅ Excel, XML, and
JSON batch upload support
- ✅ Compatible with
A2A, B2B, B2C, and C2B payment flows
- ✅ Final settlement
with no reversals or chargebacks
- ✅
Integration-ready APIs for ERP, accounting, and banking
systems
Unlock Instant RTP® Payments at
TodayPayments.com
💡 Modern payments should
be instant, irreversible, and easy to reconcile. That’s
exactly what you get with RTP® Instant Payments from
TodayPayments.com.
✅ Real-time funds in under
10 seconds
✅ Eliminate chargebacks, delays,
and bank cutoffs
✅ ISO 20022 batch uploads:
Excel, XML, JSON
✅ Trigger payments with
mobile RfP invoicing
✅ Compatible with A2A,
B2B, B2C, and C2B payment scenarios
✅ Full
audit visibility and streamlined reconciliation
🚀 Visit
https://www.TodayPayments.com today to activate
RTP® Instant Payments Services and bring speed,
security, and certainty to every transaction you make.
Creation Request for Payment Bank File
Enhance Your Instant Payments Services 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 Services payment processing pricing
