Immediate Payments Solution

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


RTP® Real-Time Payments: Secure, Instant B2B, B2C, and C2B Transactions with No Chargebacks

To modernize payment flows by offering secure, real-time RTP® solutions that allow businesses and consumers to send and receive funds instantly across B2B, B2C, and C2B transactions—while eliminating chargebacks, improving cash flow, and simplifying invoicing.

TodayPayments.com delivers the gold standard in RTP® Real-Time Payments, empowering forward-thinking businesses and consumers with a frictionless, always-on, and fully secure payment experience. Our platform supports instant RTP® transfers, Request for Payment automation, and bank-grade security—making us the ideal partner for merchants, vendors, digital service providers, and financial institutions ready to eliminate payment lags and reduce costs.

 

What is Immediate Payments Solution

The Age of Instant Commerce Demands Real-Time Payments

The digital economy thrives on speed, certainty, and security. Whether you're paying suppliers, collecting from customers, or issuing refunds, every payment should be instant, trackable, and irreversible. That’s why businesses and consumers are turning to RTP® (Real-Time Payments)—a next-generation payment infrastructure designed to deliver instant, chargeback-free transactions across B2B, B2C, and C2B channels. With full support for Request for Payment (RfP) and ISO 20022 data messaging, RTP® enables faster billing, seamless reconciliation, and 24/7 settlement—all without the friction of card fees or ACH delays.

RTP® System Parameters & Transaction Capabilities

  • Transaction Types: B2B, B2C, C2B, A2A
  • Processing Speed: Instant settlement with finality (under 10 seconds)
  • Operating Hours: 24/7/365, including nights, weekends, and holidays
  • Message Format: ISO 20022 (rich data and reconciliation support)
  • Transaction Limits: Up to $10,000,000 (bank policy dependent)
  • Chargebacks/Reversals: Not permitted (irrevocable payments)
  • RfP Support: Yes – for automated invoicing and payment requests
  • Security: Real-time fraud detection, encryption, and tokenized validation

Top Business and Consumer Features of RTP®

Text Mobile Request for Real-Time Payment
  • Instant Settlement: Money clears immediately in both sender and receiver accounts
  • No Chargebacks or Reversals: Payments are final once confirmed
  • Request for Payment (RfP) Automation: Send invoices and get paid in real time
  • 24/7/365 Availability: Payments anytime, even on holidays or weekends
  • ISO 20022 Enriched Messaging: Add invoice IDs, memos, or purchase details to each transaction
  • Ideal for High-Volume Payouts and Collections: Recurring billing, payroll, subscriptions, and utility payments
  • Bank-to-Bank Connectivity: Real-time infrastructure across all major U.S. financial institutions

Ask us How:

  • Real-Time Payments RTP® to Receive and Pay B2B supplier invoices with instant settlement and no delay
  • Use RTP® to send real-time B2C disbursements for payroll, rebates, and refunds instantly, 24/7/365
  • Enable C2B RTP® collections for ecommerce, bill payments, and digital subscriptions with no chargeback risk
  • Automate Request for Payment workflows using RTP® to streamline billing, invoicing, and reconciliation
  • Eliminate ACH hold times and credit card fees using RTP® for real-time secure bank-to-bank payments
  • Use ISO 20022 messaging with RTP® to include invoice ID, account memos, and purchase metadata
  • Improve cash flow accuracy with RTP® instant ledger updates and real-time payment posting

Start Getting Paid Instantly with RTP® Today

Say goodbye to ACH delays, wire fees, and credit card disputes. With RTP® from TodayPayments.com, you gain the power of instant, irrevocable payments—with zero chargebacks, real-time confirmation, and 24/7/365 availability. Whether you're a B2B merchant, digital service provider, subscription platform, or enterprise-scale business, RTP® gives you full control over how—and how fast—you get paid.

Instant. Secure. Irrevocable. Always on.

Visit https://www.TodayPayments.com to activate your RTP® Real-Time Payment Solution and start collecting, disbursing, and reconciling in real time—today.

 

Creation Request for Payment Bank File

Enhance Your Immediate Payments Solution 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.

Request for Payment



... 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 Immediate Payments Solution payment processing pricing