Instant Payment Services

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


RTP® Instant Payment Services: Real-Time B2B, B2C, and C2B Transactions with Final Settlement

TodayPayments.com empowers financial institutions, merchants, and enterprises to use RTP® Instant Payment Services to unlock secure, automated real-time payments with guaranteed settlement, modern file-based uploads, and ISO 20022 compliance.

TodayPayments.com positions RTP® Instant Payment Services as the premium solution for forward-looking businesses that demand real-time cash flow certainty. With built-in ISO 20022 support, mobile RfP invoicing, and batch upload capabilities, our platform helps you send and receive real-time credit transactions with zero chargebacks, instant settlement, and enhanced data transparency—across all industries and payment types.

What Is RTP® and Why It Transforms Payment Operations?

The Real-Time Payment Era Is Here—And It’s Irreversible

Delayed payments, ACH cutoffs, and chargebacks are relics of the past. Today’s economy demands speed, finality, and trust. With RTP® (Real-Time Payments), businesses and financial institutions gain the ability to send and receive real-time transactions 24/7/365, streamlining B2B, B2C, and C2B payment flows. RTP® Instant Payment Services offer irrevocable, secure settlement in under 10 seconds—eliminating chargebacks, delays, and manual friction from your billing and cash flow cycles.

RTP® (Real-Time Payments) is the U.S. real-time payment rail operated by The Clearing House (TCH).

It supports credit-push transactions, enabling:

  • Real-time settlement (under 10 seconds)
  • Final, irrevocable transactions
  • Availability 24/7/365
  • Full remittance and metadata support via ISO 20022

RTP® is ideal for:

  • B2B invoice settlements
  • B2C disbursements (refunds, wages, insurance)
  • C2B bill payments and subscriptions

Streamline RTP® Parameters, Attributes, Benefits & Features

Text Mobile Request for Real-Time Payment

✅ Parameters

  • Operator: The Clearing House (TCH)
  • Transaction Speed: Instant (≤10 seconds)
  • Settlement Type: Final, good funds, credit-push only
  • Supported Flows: B2B, B2C, C2B, G2C
  • Availability: Always on (24/7/365)
  • Supported Formats: Excel, XML, JSON
  • Standard: ISO 20022 rich data messaging
  • RfP: Embedded support for Request for Payment workflows

✅ Attributes

  • Instant payment confirmation with no reversals
  • Works with mobile, desktop, and ERP systems
  • Automated reconciliation using ISO 20022 metadata
  • Mobile invoice support with Request for Payment triggers
  • Batch-compatible for recurring and one-time payments

✅ Benefits

  • Faster access to working capital and cash flow optimization
  • No chargebacks or NSF delays—get paid with certainty
  • Improves operational agility and digital invoicing efficiency
  • Ideal for recurring services, billing platforms, and refund disbursements
  • Reduces processing risk while increasing customer satisfaction

Batch Upload & ISO 20022 File Specifications

Financial institutions, platforms, and enterprise users can:

  • Upload Excel (.xlsx), XML, or JSON files
  • Send hundreds or thousands of RTP® transactions in one batch
  • Automate billing cycles with:
    • Request for Payment (RfP)
    • Remittance details
    • Customer invoice references
    • One-time or scheduled transactions

All payment messages are ISO 20022-compliant, allowing for:

  • Full transparency
  • Easy reconciliation
  • Enhanced audit trail compliance

✅ Ask us How:

  • Real-Time Payments RTP® to Receive and Pay B2B, B2C, C2B using Instant Payment Services delivers secure, real-time transactions and instant settlement for businesses, streamlining cash flow and eliminating chargebacks across all RTP® payment flows.
  • RTP® enables ISO 20022 batch upload of credit transactions using Excel, XML, or JSON for instant settlement at participating banks and credit unions.
  • Businesses can issue mobile or email invoices with Request for Payment (RfP) and receive real-time good funds via RTP®.
  • With RTP®, financial institutions can automate high-volume transactions across C2B, B2B, and B2C use cases with certainty and speed.
  • RTP® payments carry enriched metadata that simplifies reconciliation, accelerates settlement, and removes the risk of reversals or chargebacks.

Start Real-Time Business Payments with RTP® via TodayPayments.com

Time is money—and RTP® ensures you get both in real time.

With TodayPayments.com, you gain:

  • ✅ ISO 20022-compliant file processing
  • ✅ Batch upload and RfP invoicing support
  • ✅ Final settlement with no chargebacks
  • ✅ Full compatibility with accounting tools & ERP systems

Whether you're sending vendor payments, issuing digital invoices, or settling customer bills, RTP® delivers instant, secure, and reliable payments 24/7.

👉 Visit https://www.TodayPayments.com to activate RTP® Instant Payment Services—and transform your billing, reconciliation, and revenue cycle with real-time certainty.

Creation Request for Payment Bank File

Enhance Your Instant Payment Services 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 Instant Payment Services payment processing pricing