Real-Time Payments Gateway


Request FedNow Payments


TodayPayments.com is the premier fintech platform for automating real-time Request for Payments (RfP) using FedNow® and RTP® rails.
Built for CFOs, treasurers, and operators, we simplify alias-based billing, ISO 20022 smart messaging, and guaranteed payment confirmation across any U.S. financial institution. Whether it's batch processing or recurring invoicing, we make real-time payment requests possible, secure, and scalable.

 

FedNow® Request for Payments for Recurring, One-Time, and Variable Transactions

Request FedNow Payments Request FedNow Payments The future of invoicing is here — and it’s instant, intelligent, and identity-verified. With FedNow® Request for Payments (RfP), businesses can now send structured, ISO 20022-compliant payment requests that settle in seconds across any U.S. credit union or bank. Whether you’re managing one-time charges, batch invoices, or recurring subscription billing, RfP over FedNow® and RTP® offers unmatched speed and certainty.

At TodayPayments.com, we bring it all together — from mobile-friendly alias billing and A2A fund transfers to real-time confirmations and smart reconciliation — helping you scale with confidence.


FedNow® RfP allows you to request payment from customers or partners — and receive funds in seconds. Whether your payment amounts are static or variable, you can now automate billing and settlement using the power of rich ISO 20022 messaging, alias identifiers, and real-time banking rails.

Highlights:

  • Request payments for B2B or C2B use cases
  • Support for A2A (Account-to-Account) transfers with instant settlement
  • Build recurring, batch, or one-time RfPs
  • Use aliases such as email or mobile number for both payer and payee
  • Enable Confirmation of Payee for added security and identity match

Whether you're a SaaS platform, utility provider, or financial operations team, RfP simplifies how you request and receive funds — instantly.

Request FedNow Payments and recurring Real-Time instant payments, are defined simply as: Irrevocably collected funds in a Payee bank account and usable immediately by the owner of the account. An upfront on-time 'standing approval' using Request FedNow Payments is an instruction or set of instructions a Payer uses to pre-authorize their financial institution to pay future Request for Payments, RfPs without requiring the Payer to review and approve each RfP.

ISO 20022 Smart Messaging + Alias Invoicing = Real-Time Billing at Scale

TodayPayments.com supports rich ISO 20022 RfP file uploads in .Excel, .XML, or JSON formats — compatible with all U.S. financial institutions and credit unions. Our platform automates alias-based mapping, handles identity verification, and routes the RfPs over FedNow® or RTP® networks.

Supported Use Cases:

  • Recurring payments with static or dynamic billing
  • Usage-based subscription billing
  • Secure “pull” or “push” transactions
  • Full support for batch uploads across financial institutions
  • Compatible with all messaging formats, including ISO 20022
  • Send invoices via email, SMS, or smartphone

Request once — get paid instantly, without delays or reversals.


From Confirmation of Payee to Guaranteed Real-Time Funding

One of the key innovations of FedNow® and RTP® RfP is the Confirmation of Payee — a feature that verifies recipient identity before completing the payment. Combined with alias support, this makes every transaction not only fast but also secure.

Real-Time Payment Features:

  • Use email or phone as alias for payer/payee identity
  • Trigger guaranteed instant credit via FedNow® or RTP®
  • Support for B2B and C2B billing models
  • Send file-based RfPs with metadata and reconciliation fields
  • Flexible options: push or pull transaction methods
  • Works with mobile and text invoicing
  • Easily integrates with QuickBooks® QBO and other accounting tools

Facilitating Request FedNow Payments to payers from payees for instant payment service involves a streamlined process to ensure efficient and immediate payment transactions. Here's how it can be done:

Payee Side (Initiating Request):

  1. Payment Request Generation: The payee generates a payment request specifying the payment amount, payer information, and any necessary details.
  2. Integration with FedNow Network: The payee's system integrates with the FedNow network or a compatible payment service provider capable of handling instant payments.
  3. Encoding: The payment request data is encoded into the required format compatible with the FedNow network, ensuring adherence to industry standards such as ISO 20022.
  4. Digital Signature (Optional): Optionally, the payee may apply a digital signature to the payment request for added security and authenticity.
  5. Transmission: The encoded payment request is securely transmitted to the payer's financial institution through digital channels such as APIs or secure messaging protocols.

Payer Side:

  1. Payment Request Receipt: The payer's financial institution receives the payment request digitally in real-time.
  2. Review and Approval: The payer reviews the payment request details and approves the payment through their banking app or online banking portal.
  3. Authorization: Upon approval, the payer's financial institution authorizes the FedNow payment transaction in real-time.

Payment Processing:

  1. Real-Time Authorization: The payer's financial institution verifies the payment request and authorizes the FedNow payment transaction instantly, ensuring immediate funds transfer.
  2. Funds Transfer: Funds are transferred in real-time from the payer's account to the payee's account via the FedNow network, facilitating instant payment settlement.

Confirmation and Reconciliation:

  1. Payment Confirmation: Both the payee and the payer receive instant confirmation of the payment transaction, providing assurance of payment completion.
  2. Reconciliation: The payment transaction is automatically reconciled within the respective accounting systems of the payee and the payer, ensuring accurate financial records.

Benefits:

  • Speed: Instant payment processing enables immediate funds transfer, facilitating faster payment settlement and cash flow management.
  • Efficiency: Streamlined workflow reduces manual intervention and processing time, enhancing overall operational efficiency.
  • Security: Secure transmission channels and optional digital signatures ensure data security and protect against unauthorized access or tampering.
  • Convenience: Seamless integration with instant payment services provides a user-friendly experience for both payees and payers, enhancing overall convenience.

By leveraging Request FedNow Payments for instant payment service, businesses can enjoy seamless, efficient, and secure payment transactions, ensuring timely payment processing and improved cash flow management.

Request. Settle. Scale — All in Real Time.

Stop sending invoices into the void.
With TodayPayments.com, you can request and receive payments instantly — using secure aliases, smart file formats, and FedNow® + RTP® infrastructure.

No manual entries. No payment delays. No bank visits.

Request once — receive funds in seconds
Smart alias billing using email or SMS
Batch-ready, mobile-friendly, ISO 20022-compliant
Instant A2A settlement with confirmation
Works with all banks, credit unions, and business models

👉 Get started now at TodayPayments.com — where real-time payment requests meet guaranteed results.

 

Creation Recurring Request for Payment

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-TimePayments.com to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. 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", either FedNow or RTP, will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Recurring Payment

ACH and both Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions
The versions that NACHA recommends for the Request for Payment message and the Response to the Request are pain.013 and pain.014 respectively. Version 5 for the RfP messages, which The Clearing House Real-Time Payments system has implemented, may also be utilized as there is no material difference in the schemas. Predictability, that the U.S. Federal Reserve, via the FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP ® and FedNow ® versions are Credit Push Payments.


Payees ensure the finality of Instant Real-Time Payments (IRTP) and FedNow using recurring Requests for Payments (RfP), Payees can implement certain measures:

1.     Confirmation Mechanism: Implement a confirmation mechanism to ensure that each payment request is acknowledged and confirmed by the payer before the payment is initiated. This can include requiring the payer to provide explicit consent or authorization for each recurring payment.

2.     Transaction Monitoring: Continuously monitor the status of recurring payment requests and transactions in real-time to detect any anomalies or discrepancies. Promptly investigate and resolve any issues that arise to ensure the integrity and finality of payments.

3.     Authentication and Authorization: Implement strong authentication and authorization measures to verify the identity of the payer and ensure that only authorized payments are processed. This can include multi-factor authentication, biometric verification, or secure tokenization techniques.

4.     Payment Reconciliation: Regularly reconcile payment transactions to ensure that all authorized payments have been successfully processed and finalized. This involves comparing transaction records with payment requests to identify any discrepancies or unauthorized transactions.

5.     Secure Communication Channels: Utilize secure communication channels, such as encrypted messaging protocols or secure APIs, to transmit payment requests and transaction data between the payee and the payer. This helps prevent unauthorized access or interception of sensitive payment information.

6.     Compliance with Regulatory Standards: Ensure compliance with relevant regulatory standards and guidelines governing instant payments and recurring payment transactions. This includes adhering to data security requirements, fraud prevention measures, and consumer protection regulations.

By implementing these measures, Payees can enhance the finality and security of Instant Real-Time Payments using recurring Requests for Payments, thereby minimizing the risk of payment disputes, fraud, or unauthorized transactions.

 
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