Request for Payment (RfP™) via FedNow®
To provide merchants with secure, real-time, and alias-based Request for Payment (RfP™) invoicing via FedNow®, enhancing instant cash flow, automating reconciliation, and delivering 24/7 pay-by-link simplicity across devices.
TodayPayments.com leads the way in real-time Request for Payment (RfP™) technology, offering ISO 20022-compliant invoicing through FedNow®. With alias-based billing, branded payment pages, and instant settlement, merchants can reduce AR aging, automate recurring payments, and get paid faster—via mobile, email, SMS, or QR code.
Mobile, Email, SMS, and QR Code Invoicing with Alias-Based Paymentse
Say Goodbye to Slow Payments — Go Real-Time
with FedNow® RfP™
Traditional invoicing and payment collection
methods—ACH delays, credit card chargebacks, and mailed checks—are
outdated. Now, Request for Payment (RfP™) via FedNow®
delivers a secure, trackable way for merchants to send instant,
real-time payment requests by email, SMS, mobile link, or QR
code.
Using alias-based identifiers instead of
routing and account numbers, each RfP™ connects customers directly
to a branded, hosted payment page—no apps or portals
required. FedNow® enables 24/7 settlement, supports recurring
transactions, and gives merchants control over how and when
they get paid.
Real-Time, Recurring & Instant Payments with ISO 20022 and Hosted Checkout Pages
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
RfP™ Parameters, Attributes, Benefits & Features
ISO 20022 Required Data Fields (Minimum for RfP™ via FedNow®)
|
Field |
Description |
|
MsgId |
Unique identifier for the RfP™ message |
|
CreDtTm |
Timestamp of when the RfP™ was created |
|
ReqdExctnDt |
Requested payment execution/due date |
|
Dbtr |
Debtor (payer) details |
|
DbtrAcct |
Alias or masked payer account (email or mobile) |
|
Cdtr |
Creditor (merchant/payee) details |
|
CdtrAcct |
Payee’s account or alias-based MID |
|
Amt |
Payment amount requested |
|
RltdRmtInf |
Invoice number or reference ID |
|
Ustrd |
Unstructured remittance note (free text) |
Attributes
- Alias-Based Payment Requests using email or mobile
- Hosted Payment Page for customer checkout—no development required
- FedNow® Real-Time Rail for 24/7 settlement with finality
- Mobile-first invoicing via SMS, email, or QR code
- Recurring RfP™ support for subscription and auto-bill models
- Automatic AR Reconciliation with real-time ledger updates
- ISO 20022 message structure ensures compatibility and auditability
- Batch & single payment support for C2B and B2B use cases
Benefits for Merchants (Payees)
- Receive Good Funds Instantly — no settlement delays or ACH holds
- Flexible Delivery — email, SMS, mobile app, QR code, or hosted links
- Alias Naming for Security — no need to request routing/account numbers
- Supports Recurring Billing Models — automate monthly payments via FedNow®
- Real-Time Visibility — monitor payment activity and aging invoices
- Eliminate Chargebacks — funds are irrevocably transferred
- No Developer Setup Needed — hosted page ready out of the box
- Streamline AR — reduce DSO and improve cash flow predictability
Ask us How:
Request for Payment (RfP™) via FedNow® allows merchants to send structured, trackable, and ISO 20022-compliant payment requests through SMS, email, QR code, or hosted checkout links. Each RfP™ is alias-based—using email or mobile numbers instead of sensitive banking credentials.
This means that merchants can collect real-time payments 24/7, directly into their account, with automatic AR reconciliation the moment the payment is received. Customers enjoy the convenience of one-click payments, while businesses benefit from secure, frictionless cash flow.
The integration of FedNow®'s real-time rail with hosted RfP™ pages ensures no more waiting for bank hours or next-day settlements. Whether you process one-time invoices or recurring billing, the system scales to handle batch uploads and subscription workflows.
FedNow® Debit Transactions & Recurring Autopay RfP™
With FedNow® debit, customers can pre-authorize recurring Request for Payments (RfP™s) with a one-time standing instruction to their bank. This transforms recurring billing into a “set it and forget it” experience for the payer.
Key Recurring Features:
- Standing Authorization: No need for manual approval on each invoice
- Ideal for C2B and B2B Billing Models: SaaS, utilities, loan payments, etc.
- Automated Cash Flow: Receive funds on a fixed schedule—without fail
- Fully Secure & Regulated: Protected under ISO 20022 and FedNow® governance
- No Chargebacks or Delays: All transactions are final and irrevocable
Your Future of Invoicing Starts with FedNow® RfP™
Why wait days or weeks to get paid? With Request for Payment (RfP™) via FedNow® from TodayPayments.com, you can:
- Send payment requests by email, SMS, QR code, or mobile
- Get irrevocable real-time payments—anytime, any day
- Enjoy a branded hosted payment page, with no coding needed
- Use alias-based MIDs to improve security and track multiple accounts
- Automate AR and eliminate manual reconciliation
- Offer recurring autopay options for C2B/B2B subscriptions
Collect better. Bill smarter. Get paid
instantly.
👉 Start today at
TodayPayments.com — the fastest, smartest way to power
your FedNow® Request for Payments.
Creation Request for Payment Bank File
Enhance Your RequestForPayment.net using Real-Time Payments 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 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.
Contact Us for Request For Payment payment processing
