Request To Payment
TodayPayments.com is the leading U.S.
platform for smart Request to Payment automation — supporting ISO 20022
messaging, alias invoicing, and real-time settlement across FedNow®,
RTP®, ACH, and credit card rails.
We specialize in helping
B2B, C2B, and A2A businesses digitize their entire payment lifecycle —
from smart invoicing to instant funding — all through secure,
mobile-first workflows.
Whether you send one invoice or 10,000,
TodayPayments.com empowers you with real-time payments, batch
uploads, hosted links, and guaranteed funds — all from a single
platform.
Request to Payment: FedNow®, RTP®, ACH, and Credit Cards with Instant Payment Links
In a world where speed, certainty, and digital
convenience matter, traditional invoicing just doesn’t cut it
anymore. That’s why businesses are turning to Request to Payment
solutions powered by ISO 20022 rich messaging,
real-time settlement networks, and mobile-friendly hosted
payment pages. Whether you're processing a single invoice or
batching recurring payments, modern Request to Payment flows empower
you to streamline billing and guarantee funding—instantly.
With TodayPayments.com, you can request
payments using email, mobile, or SMS with HTML links that connect
directly to your custom payment page, supporting FedNow®,
RTP®, Same-Day ACH, and credit card transactions. It’s smarter,
faster, and built for real-time success.
Now you can send a single request and collect
real-time payments — no matter how your customers prefer to pay.
With TodayPayments.com, businesses can send Request to Payment
(RfP) messages with HTML payment links embedded in digital
invoices.
Accept Payments via:
- 💳 Credit Cards
- 💸 Same-Day ACH
- ⚡ FedNow® Real-Time
Payments
- 🔄 RTP® (Request for
Payment) Files
Deliver the request via email, SMS, mobile,
or app notification — and let your customers pay instantly with
guaranteed “Good Funds.”
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. Funds are available for use by the receiver and real-time confirmation is provided to both you ("the sender") and receiver in seconds. Most Good Funds transactions are "Credit Push" versus "Debit Pull."
Batch Upload or One-by-One: Instant Payments with ISO 20022 & Alias Billing
Whether you're sending individual invoices
or uploading thousands in batch format, you can automate your
requests through structured file uploads with ISO 20022
compliance. No sensitive account info needed — just alias
identifiers like mobile numbers or email addresses for each
payer and payee.
Supported Features:
- ✅ Upload payment files in
.Excel, .XML, or JSON
- ✅ Request payments for
recurring, static, or variable amounts
- ✅ Use Confirmation of
Payee to validate identity before funds are moved
- ✅ Enable A2A transfers
(Account-to-Account) between B2B or C2B parties
- ✅ Route transactions
through FedNow®, RTP®, or ACH, with fallback to credit
cards if needed
Smart, structured payments at scale — with
one platform.
Alias-Based Digital Invoicing + Real-Time
Funds = Guaranteed Success>
Every transaction begins with trust — and
ends in certainty. TodayPayments.com uses alias-based
invoicing and confirmation tools to help you get paid faster,
safer, and smarter.
Why Top U.S. Merchants Trust
TodayPayments.com:
- ✅ Send HTML payment
links embedded in digital invoices
- ✅ Use email or phone
numbers instead of full bank info
- ✅ Trigger real-time push
or pull transactions
- ✅ Confirm payer identity
with Confirmation of Payee
- ✅ Get “Good Funds”
instantly via FedNow® or RTP®
- ✅ Deliver invoices by
text, email, QR code, or mobile app
Built for billing teams. Loved by CFOs.
Trusted by enterprise merchants.
Implementing a Request to Pay (RTP) functionality with Real-TimePayments.com can streamline the invoicing and payment process for businesses, offering efficient and convenient payment options for both payers and payees. Here's how Request to Pay might work within the Real-TimePayments.com ecosystem:
- Creation of Invoice and Request to Pay:
- Businesses create invoices within Real-TimePayments.com's invoicing platform, specifying the details such as the amount owed, due date, and payment terms.
- The invoice includes a "Request to Pay" option, which triggers the RTP process.
- RTP Delivery:
- The RTP notification is sent to the recipient via email, SMS, or through Real-TimePayments.com's secure portal.
- The RTP contains details of the invoice and instructions on how to make the payment, including available payment methods and timing.
- Recipient Response:
- Upon receiving the RTP notification, the recipient reviews the invoice details and selects their preferred payment method.
- Real-TimePayments.com offers various payment options, including real-time payments, ACH transfers, and other supported methods.
- Payment Initiation:
- If the recipient selects real-time payments, the payment is initiated instantly through the Real-TimePayments.com platform, ensuring immediate funds availability to the payee.
- If ACH transfer is chosen, the payment is processed through the ACH network, typically taking 1-2 business days for funds to settle.
- Confirmation and Reconciliation:
- Once the payment is made, both the payer and payee receive confirmation of the transaction.
- Real-TimePayments.com automatically updates the invoice status and reconciles the payment with the corresponding invoice, providing real-time visibility into payment processing.
- Integration with Business Processes:
- Real-TimePayments.com's RTP functionality integrates seamlessly with businesses' invoicing and accounting systems, streamlining the payment reconciliation process.
- Businesses can track and manage RTP transactions within their existing workflows, enhancing efficiency and reducing manual efforts.
By leveraging Real-TimePayments.com's Request to Pay functionality, businesses can offer recipients a streamlined and flexible payment experience, with options for real-time payments, ACH transfers, and other payment methods. This enhances cash flow management and accelerates receivables processing, ultimately improving the overall efficiency of the invoicing and payment process.
One Request. One Link. Instant Payment.
Tired of chasing invoices or waiting for ACH?
With TodayPayments.com, you can streamline billing using
alias-based identifiers, smart file uploads, and clickable HTML
payment links — all tied to real-time payment rails like FedNow®,
RTP®, and ACH.
✅ Accept payments via link in
email, SMS, or app
✅ Confirm payer identity in
real time
✅ Set up batch or one-off invoices with
ISO 20022
✅ Automate A2A, B2B, and C2B payments
✅ Collect “Good Funds”
instantly — 24/7
👉 Start now at
TodayPayments.com — where every payment request becomes a
guaranteed success.
About Request To Payment
Enrolling in mobile, digital, and email transmission for RfP FedNow Request To Payment will depend on the specific requirements of the financial institution or service provider that you are using. However, in general, the process may involve the following steps:
Contact your financial institution or service provider: Reach out to your bank or service provider and ask if they offer mobile, digital, or email transmission options for RfP FedNow Request To Payment. If they do, they will provide you with the necessary information and instructions to enroll.
Complete the enrollment form: The financial institution or service provider may require you to complete an enrollment form or application to sign up for mobile, digital, or email transmission options for RfP FedNow Request To Payment. This form may ask for your personal or business information, contact details, and other relevant information.
Provide necessary documentation: You may be required to provide additional documentation to support your enrollment, such as identification documents, business licenses, tax identification numbers, or other legal documents.
Set up your account: Once your enrollment is approved, you will need to set up your account to enable mobile, digital, or email transmission for RfP FedNow Request To Payment. This may involve setting up passwords, security codes, or other authentication measures to protect your account and ensure secure transmission.
Start using the service: Once your account is set up, you can start using the mobile, digital, or email transmission option to send and receive RfP FedNow Request To Payment.
It is important to note that the specific steps and requirements for enrolling in mobile, digital, or email transmission for RfP FedNow Request To Payment may vary depending on the financial institution or service provider. Therefore, it is important to consult with your bank or service provider and follow their instructions closely.
Today Payments
...continues to meet the challenge of our clients by offering cost effective "good funds", real-time, instant, credit card, ACH and e-invoice payment processing services into the electronic payment solutions banking system. Electronic banking includes the transfer of funds between companies (B2B) and/or (B2C) consumer accounts for collection and payments. Today Payments Gateway Merchant Services gives your company choices in the method of faster payments that you can accept from your customers.
Our payment processing platform is designed for simplicity and ease-of-use.
SecureQB Cloud payment processing integration for QuickBooks ® give you the Best transaction detail information, real-time, with matching error-proof through QuickBooks.
Process with the Request To Payment Professionals
- Automation of Accounts Receivable Collection with Real-Time Settlement & Deposit
- Automation of Accounts Payable Payments with Real-Time Settlement & Deposit
- One-Time & Recurring Real-Time Credits with Settlement & Deposit
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 To Payment payment processing
