Easily Send a Request Bill Payment via FedNow® and RTP®
To make Request for Payment (RfP™) invoicing fast, secure, and real-time by enabling merchants to send digital payment requests over FedNow® and RTP® rails using ISO 20022-compliant messaging and mobile-first channels—delivering irrevocable good funds to any Payee with minimal payer friction.
TodayPayments.com empowers businesses to easily send Request for Payments via real-time rails like FedNow® and RTP®. We make digital invoicing effortless through email, SMS, mobile, or QR codes, enabling customers to pay in real-time using alias-based identifiers. Whether it’s a one-time bill or recurring autopay, we deliver fast, secure payments with full ISO 20022 compatibility and hosted payment pages.
Alias-Based Invoicing with ISO 20022 Real-Time Rail Support
Invoicing doesn’t have to be slow or manual. With today’s advancements in real-time payment technology, merchants can now easily send a Request Bill Payment using FedNow® and RTP® rails—ensuring good funds are deposited instantly with rich ISO 20022 data to support reconciliation.
Whether it’s a one-time invoice or a recurring payment schedule, Request for Payment (RfP™) allows merchants to initiate secure digital requests via email, mobile, text, or QR code, with the customer deciding how and when they pay—using ACH, cards, BNPL, or real-time A2A transactions.
With alias-based payment requests, there’s no need to manage routing and account numbers. Instead, use:
- Phone numbers, emails, or pre-linked payer tokens
- Delivered via SMS, email, mobile app, or QR code
- Redirecting payers to a hosted payments page to complete the transaction
This method allows A2A real-time payments using FedNow® and RTP®, with optional support for ACH, BNPL, or card networks for fallback.
“Set It and Forget It” Recurring Payments via Standing Approval
Merchants can incentivize recurring autopay with standing authorization:
- A one-time payer approval allows future RfPs to be auto-paid
- No need for repeated confirmations
- Perfect for C2B and B2B use cases (insurance, SaaS, utilities, memberships)
- Ensures on-time, good-fund settlement with zero delay
Request for Payment Parameters, Attributes, Benefits, and Features
|
Element / Feature |
Description |
|
Transaction Type |
A2A Real-Time Credit (FedNow®, RTP®), optional ACH, Cards, BNPL |
|
RfP Delivery Channels |
Email, Mobile Text, SMS, QR Code, App Notification |
|
Hosted Payment Page |
Branded checkout destination for payer completion |
|
Payer Authorization |
One-time standing approval for recurring autopay |
|
Good Funds Guarantee |
Instant irrevocable credit to Payee’s account |
|
Batch Capability |
Upload .XML/.JSON/.CSV via ISO 20022 to all U.S. FIs |
|
Recurring Options |
Fixed or variable billing with autopay scheduling |
|
Integration |
POS, MOTO, eCommerce, QuickBooks®, ERP, Banking APIs |
|
Security |
Alias-based payer identifiers, tokenized links, ISO 20022 encrypted data |
Minimum Mandatory ISO 20022 RfP™ Data Fields
For a valid and compliant Request for Payment, the following minimum ISO 20022 fields must be included:
|
ISO 20022 Field |
Description |
|
MsgId |
Unique Message Identifier |
|
CreDtTm |
Creation Date and Timestamp |
|
NbOfTxs |
Number of Transactions |
|
CtrlSum |
Total Control Sum of Transactions |
|
PmtInfId |
Payment Information Identifier |
|
PmtMtd |
Payment Method (typically "TRF" for transfers) |
|
ReqdExctnDt |
Requested Execution Date |
|
Dbtr/Nm |
Debtor (Payer) Name |
|
DbtrAcct/Id/IBAN |
Debtor Account or Alias |
|
Cdtr/Nm |
Creditor (Payee) Name |
|
CdtrAcct/Id/IBAN |
Payee Account or Alias |
|
InstdAmt/Ccy |
Instructed Amount and Currency |
|
EndToEndId |
Invoice or Transaction Reference |
|
RmtInf/Ustrd |
Remittance Information (Invoice number, memo) |
These fields ensure transaction uniqueness, payer and payee identification, and real-time reconciliation across all institutions.
Ask us How:
- Easily send a Request Bill Payment via real-time rails like FedNow® and RTP® and receive good funds within seconds using alias-based digital invoicing.
- Use ISO 20022 messaging standards with mobile invoicing, enabling hosted payment pages and secure QR codes for payer convenience.
- Automate recurring billing using standing approval for FedNow® and RTP® transactions, giving customers a “set it and forget it” experience.
- Batch send multiple RfPs using Excel, .XML, or .JSON, compliant with ISO 20022 formats, to any U.S. bank or credit union.
- Accept real-time payments through POS, MOTO, or eCommerce checkout flows, with instant bank credit for each invoice.
Request Bill Payment is a feature of some digital payment systems that allows a payee to request payment from a payer for a specific bill or invoice. This feature is commonly used by businesses to collect payment from their customers or clients.
To use Request Bill Payment, the payee generates a payment request for a specific bill or invoice and sends it to the payer via a mobile application or website. The payer receives the payment request and can review the bill or invoice details before approving or declining the payment. Once the payer approves the payment, the funds are transferred from their account to the payee's account.
Request Bill Payment can be a convenient and efficient way for businesses to collect payments from their customers or clients, as it eliminates the need for paper bills or invoices, and reduces the time and effort required to process payments. It can also help to improve cash flow for businesses, as payments are processed more quickly and efficiently.
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. ~ Call us now for all the Benefits: Pay FedNow, RTP, ACH, Credit Cards .html links!!
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 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 data for completed 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.
Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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 + 1.5% percentage on gross dollar file,
3) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.
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
