RTP® Real-Time Payments for B2B, B2C, and C2B Transactions with Instant Settlement
To empower businesses and consumers with RTP®-enabled instant payments that provide real-time settlement, payment finality, and operational clarity for B2B, B2C, and C2B transactions—delivered securely through TodayPayments.com.
TodayPayments.com positions itself as the leading fintech hub for Real-Time Payments RTP®, offering advanced, instant settlement solutions with zero chargebacks, enhanced cash flow, and always-on availability. We serve businesses seeking secure, scalable, and intelligent payment rails that support digital invoicing, recurring billing, and real-time collections—all with ISO 20022 messaging and B2B-grade certainty.
RTP® Real-Time Payments: Powering the Future of Instant Business Transactions
Modernize How You Get Paid with RTP®
Speed, security, and certainty are the new standards for business and consumer payments. RTP® (Real-Time Payments) is the most advanced payment rail in the U.S., enabling B2B, B2C, and C2B transactions to be settled in real time, with no chargebacks, no reversals, and guaranteed good funds. Whether you're a small business owner, enterprise CFO, or digital merchant, RTP® empowers you to receive and pay immediately, reduce overhead, and unlock financial agility. With RTP® Immediate Payments Solution, you gain the speed of a wire transfer with the cost-efficiency and automation of ACH—on a whole new level.
RTP® Parameters and Technical Attributes
- Payment Type Support: B2B (Business-to-Business), B2C (Business-to-Consumer), C2B (Consumer-to-Business), A2A
- Settlement Speed: Real-time; 24/7/365 availability
- Message Format: ISO 20022 (enables rich data, invoice IDs, memos)
- RfP Support: Yes, for automated Request for Payment workflows
- Security Framework: Bank-grade authentication and encryption
- Irrevocability: Funds are final and cannot be reversed or charged back
- Maximum Transaction Limit: Up to $1 million (bank-dependent)
- Integration-Ready: API or plug-in integrations with ERP, CRM, and accounting platforms including QuickBooks®
RTP® Features for Businesses and Consumers
- Instant fund transfers across all transaction types
- Real-time confirmations for senders and receivers
- Always-on payment processing (24/7/365)
- No chargebacks, no reversals—finality of payment
- Supports Request for Payment (RfP) for real-time invoicing
- Fraud reduction with authentication and tokenized identity layers
- Supports recurring payments, payroll, disbursements, and POS
Top Business Benefits of RTP® Real-Time Payments
- Boosts cash flow with instant receivables and faster working capital rotation
- Reduces manual processing with automated reconciliation and ISO 20022 data
- Mitigates risk of fraud and chargebacks through secure payment certainty
- Strengthens vendor and supplier relationships through real-time disbursements
- Lowers cost compared to wires or credit card transactions
- Enhances customer experience with immediate transaction resolution
RTP® Long-Tail SEO Use Cases & Keyword Phrases
- RTP® to receive and pay B2B transactions with real-time settlement and ISO 20022 invoicing
- Use RTP® for C2B ecommerce payments that post instantly with no chargeback risk
- Accept RTP® payments for B2C refunds, payouts, and payroll with instant confirmation
- Enable Request for Payment (RfP) invoicing using RTP® for real-time billing and collection
- Integrate RTP® into QuickBooks® QBO to automate reconciliation and ledger updates
- Eliminate wire transfer delays with RTP® same-second bank-to-bank payments
- Support recurring billing, rent collection, and utility payments using RTP® for C2B
Get Paid in Real-Time—No Delays, No Chargebacks
It’s time to move beyond outdated payment rails. RTP® gives your business the ultimate edge with immediate, irrevocable, and secure payments—across all transaction types. With RTP®, you receive and pay instantly, while your customers and vendors get unmatched payment certainty. Best of all, there are no chargebacks, no reversals, and no processing guesswork.
Improve cash flow. Automate reconciliation. Never wait again.
Go real-time with RTP® at
https://www.TodayPayments.com
Your future of
financial agility starts now.
Creation Request for Payment Bank File
Enhance Your Immediate Payment 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 Immediate Payment Service payment processing pricing
