RTP® Instant Payments Service to Receive and Pay A2A, B2B, B2C, C2B in Real Time
TodayPayments.com is committed to delivering secure, scalable, and compliant RTP® Instant Payment Solutions that empower businesses and consumers to transact with confidence, speed, and real-time settlement certainty.
TodayPayments.com positions its RTP® Instant Payments Service as the enterprise-grade solution for modern financial operations. Designed for speed, security, and flexibility, our service supports one-time and recurring real-time payments, file uploads, and mobile invoicing with Request for Payment (RfP). We enable full ISO 20022 compliance for seamless integration across accounting, ERP, and banking platforms.
Powering Modern Commerce with Instant Real-Time Payments
The future of payments is here—and it's real-time. In an always-on world, Real-Time Payments RTP® allow businesses and consumers to instantly send and receive funds, eliminating outdated delays, banking cutoffs, and chargebacks. With RTP® Instant Payments Service, you can move money securely in seconds across A2A, B2B, B2C, and C2B payment flows. Whether you’re paying vendors, disbursing payroll, or billing customers, RTP® ensures every transaction is final, secure, and fully traceable—24/7/365.
Streamline Your RTP® Payments with TodayPayments.com
RTP® Parameters
RTP® is a real-time payments network operated by The Clearing House (TCH). It supports:
- Credit-push only transactions, meaning funds are always sent—not pulled
- Final settlement in seconds with no reversals or returns
- Availability 24/7/365, including weekends and holidays
- ISO 20022 support, allowing for detailed remittance data and metadata
- Message-triggered RfP invoicing, enabling real-time payment requests
- Batch uploads, supporting bulk transactions using Excel, XML, or JSON
These parameters make RTP® one of the fastest, most secure payment rails available in the U.S.
RTP® Attributes
The Real-Time Payments system is designed with modern digital transactions in mind:
- ✅ Always-on payments, processed in under 10 seconds
- ✅ Irrevocable good funds—once sent, the transaction is settled and cannot be recalled
- ✅ Rich data messaging using ISO 20022 formats for accurate reconciliation
- ✅ Cross-platform flexibility, working with mobile apps, bank APIs, and file uploads
- ✅ Scalability, from small business billing to high-volume enterprise disbursements
These attributes allow RTP® to power anything from gig-economy payouts to high-volume vendor settlements.
RTP® Benefits
Using RTP® for A2A, B2B, B2C, and C2B transactions unlocks numerous advantages:
- Accelerated cash flow with instant confirmation and settlement
- Improved customer satisfaction through real-time billing and refunds
- Reduction in fraud and chargebacks due to credit-push architecture
- Elimination of banking delays with 24/7/365 availability
- Enhanced accounting accuracy using ISO 20022 metadata in each payment
RTP® empowers businesses to operate faster, smarter, and more securely.
RTP® Features
- ✅ Real-time settlement in under 10 seconds
- ✅ Batch uploads using Excel, XML, or JSON
- ✅ ISO 20022 metadata support for purpose codes, references, and reconciliation
- ✅ Request for Payment (RfP) invoicing via mobile, email, or API
- ✅ Support for A2A, B2B, B2C, C2B transactions
- ✅ Final, irreversible payments—no chargebacks
- ✅ Seamless bank and fintech integrations
Ask us How:
Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Payments Service offers secure, real-time transaction processing with instant RTP® settlement, allowing businesses and consumers to send and receive payments seamlessly across all payment types without delays or chargebacks.
With RTP®, banks and businesses can upload ISO 20022-compliant files in Excel, XML, or JSON to process payments in real time. This allows for instant batch payouts, digital invoice settlements, and mobile RfP-based billing—all completed within seconds.
TodayPayments.com’s RTP® Instant Payment platform supports 24/7 real-time payments with ISO 20022 messaging, empowering accounting teams with rich remittance data, auto-reconciliation, and digital transparency.
Use RTP® to automate high-frequency vendor payments, schedule recurring subscription billings, and manage mobile-first customer invoicing—all while reducing overhead and accelerating cash flow.
Whether you're a growing business or a financial institution, TodayPayments.com helps you activate real-time RTP® settlement with instant certainty.
✅ Send and receive payments in
seconds
✅ Eliminate chargebacks and banking delays
✅
Upload batch payments in Excel, XML, or JSON
✅ Use mobile
Request for Payment (RfP) invoicing
✅ Get 24/7/365 access
to good funds
Visit https://www.TodayPayments.com now to enable RTP® Instant Payments Service and modernize how you send, receive, and reconcile every transaction.
Creation Request for Payment Bank File
Enhance Your Instant Payments Service 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 Service payment processing pricing
