RTP Request For Payments
RTP® Request for Payments – Real-Time Transactions Using Alias and Rich Data
RTP® Request for Payments (RfP) enables U.S. merchants, service providers, and financial platforms to request and receive real-time payments using structured ISO 20022 rich data messaging. Transactions are instant, irrevocable, and confirmed with good funds, routed through RTP® rails with full alias support—meaning mobile numbers, emails, or SMS identifiers can be used in place of full account credentials.
Why RTP® RfP Is the Future of Digital Payment Requests
In today’s on-demand economy, payment collection must be immediate, secure, and frictionless. RTP® Request for Payments meets this demand by giving payees the ability to request good funds in real time, with responses confirmed and settled in seconds.
Using ISO 20022 XML standards (pain.001, pain.013, etc.), each RfP includes structured metadata for invoicing, account routing, remittance detail, and payer identification via aliases. Whether the transaction starts at a POS terminal, eCommerce checkout, mobile bill-pay link, or paper invoice, RTP® processes it in real time—ensuring that the payee receives usable funds with no delay, batch wait, or chargeback.
Key Benefits and Features of RTP® RfP:
- Real-time confirmation of good funds
- ISO 20022 compliant messaging for accurate reconciliation
- Alias-based payer and payee support (mobile, email, SMS)
- Static or variable recurring payment support
- Upload and download RfPs via FinTech and bank dashboards
- POS, mobile, and invoicing channel support
- Embedded Hosted Payment Pages for payer interaction
- Full AR aging and Excel report exports
- Works with all U.S. financial institutions on RTP® rails
- Free reconciliation tools and automated returns tracking
RTP Real-Time Payments Request For Payments and Real-Time instant payments, are defined simply as: Irrevocably collected funds in a bank account and usable immediately by the owner of the account. Our "Good Funds" payment gateway allows for instant real-time digital payments that are immediate, irrevocable, intra-bank and/or interbank account-to-account (A2A) transfers that utilize a real-time messaging system connected to every transaction participant through all U.S.-based financial institutions.
How RTP® RfP Works Using Alias and ISO 20022 Messaging
RTP® RfP begins when a payee sends a digital
payment request to the payer, routed through the RTP® network in
real time.
Instead of using traditional account and routing numbers, the RfP can be addressed using alias identifiers like an email address or mobile number. Each request includes ISO 20022 metadata—like invoice ID, amount due, due date, and remittance instructions.
The payer receives the RfP via their bank or app interface, approves the payment, and the transaction is completed instantly. The payee receives irrevocable good funds in seconds, and reconciliation is automated through return messages like pain.002.
Upload, Import, and Manage RTP® RfPs via Financial Dashboards
Merchants and FinTechs can upload or batch-import RTP® Requests for Payments directly into secure dashboards.
RfPs may originate from:
- In-person POS transactions
- eCommerce checkouts
- Mobile pay-by-text systems
- Email or SMS billing reminders
- Paper invoices with QR codes or Hosted Payment Links
These dashboards allow for:
- Uploading of ISO 20022 files (.xml, .html)
- Alias-based customer mapping and profile creation
- Real-time tracking of pending and completed RfPs
- Downloadable Excel aging and status reports
- Filtering by alias, date, payment amount, or payer ID
- Re-attempt options for rejected or expired requests
Invoicing through RTP Real-Time Payments Request For Payments is a convenient and efficient way for US businesses to collect payments from their customers.
Here are the steps to invoicing through RTP Request For Payments:
Create an invoice: Businesses can create an invoice using their accounting or invoicing software. The invoice should include the payment amount, description of goods or services, payment due date, and any other relevant information.
Send the invoice: Businesses can send the invoice to their customer using RTP Request For Payment. This can be done through email, text message, or other electronic means. The invoice will include a link or QR code that the customer can use to initiate the payment.
Receive payment: Once the customer receives the invoice, they can initiate the payment using their preferred payment method. The payment will be processed in real-time, and the funds will be deposited into the business's account within seconds.
Confirm payment: Once the payment is received, the business should confirm the payment in their accounting or invoicing software. This will ensure that the payment is recorded correctly and that the invoice is marked as paid.
By using RTP Real-Time Payments Request For Payments for invoicing, US businesses can streamline their payment collection process, reduce the risk of late payments, and improve cash flow. This can also provide a convenient payment experience for their customers, which can help strengthen customer relationships and increase customer loyalty.
Get Real-Time Payments with RTP® RfP at TodayPayments.com
Tired of waiting days to get paid?
✅ Send instant RfPs to customers
using mobile or email aliases
✅ Accept real-time
payments from any POS, web store, or invoice
✅ Use
ISO 20022 structured messages for compliance and clarity
✅ Upload and manage your billing from a single dashboard
✅ Receive good funds instantly—no
reversals, no delays
Modernize your payment process today at
https://www.TodayPayments.com
RTP® Request for
Payments – Instant. Alias-Based. Built for Now.
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
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.
... 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.
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.
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 RTP Real-Time Payments Request For Payments 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
