Request for Payment (RfP™) via RTP®
To simplify and accelerate the way businesses collect payments by offering Request for Payment (RfP™) solutions over RTP® using alias-based identifiers, ISO 20022 compliance, and hosted payment pages that deliver real-time, secure, 24/7 cash flow.
TodayPayments.com is the go-to platform for businesses seeking to streamline payment collection with RTP®-based Request for Payment (RfP™). With mobile-first delivery, alias security, instant settlement, and hosted checkout pages built in, we give merchants the tools to send, track, and receive good funds—faster than ever.
Alias-Based Invoicing with SMS, Mobile, Email & QR for Instant Payment
Reinventing Invoicing with RTP® Request for
Payment (RfP™)
If you're still sending invoices via email and
waiting days for ACH or credit card settlement, you're leaving
money—and time—on the table. With Request for Payment (RfP™) via
RTP®, you can instantly request and receive payments
using mobile, SMS, email, or QR code.
RfP™ invoicing uses alias-based identifiers (such as mobile numbers or emails) instead of traditional account/routing numbers. It routes all transactions over real-time RTP® rails, ensuring 24/7 settlement with no delays or chargebacks.
Each RfP™ comes with a secure, branded hosted payment page, no coding needed. It’s ideal for recurring billing, batch invoicing, and real-time reconciliation—powered by ISO 20022 message standards for compliance, compatibility, and speed.
24/7 Real-Time Transactions with Hosted Pages, ISO 20022 & Auto Reconciliation
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
RfP™ Parameters, Attributes, Benefits & Features
Minimum ISO 20022 Data Fields Required for RfP™ over RTP®
|
Field |
Description |
|
MsgId |
Unique message ID to track and reference the RfP™ |
|
CreDtTm |
Creation timestamp for audit trail and compliance |
|
ReqdExctnDt |
Requested execution (due) date |
|
Dbtr |
Debtor (payer) information (name, alias) |
|
DbtrAcct |
Alias or tokenized identifier (email, mobile number) |
|
Cdtr |
Creditor (merchant/payee) details |
|
CdtrAcct |
Receiving account or alias-based MID |
|
Amt |
Amount being requested |
|
RltdRmtInf |
Reference/invoice number or billing description |
|
Ustrd |
Optional unstructured remittance information |
Core Attributes of RTP®-Based RfP™
- Alias-based identifiers (email or phone instead of bank details)
- Real-time RTP® rail with irrevocable payment finality
- Hosted payment pages—branded and mobile-responsive
- ISO 20022 message format for standardization across institutions
- No chargebacks or delays—settlement is final and instant
- AR integration with real-time reconciliation and updates
- Batch & recurring support for invoicing at scale
- QR code delivery in addition to email, SMS, and mobile links
Benefits for Payees (Merchants)
- Instant Payment Collection through mobile, email, SMS, and QR
- Recurring Autopay Support with RTP® debit transactions
- Enhanced Security with alias naming—no sensitive info needed
- Hosted Checkout Page Included with every RfP™, no extra work
- 24/7/365 Settlement even on weekends and holidays
- Live Payment Status Updates and real-time ledger sync
- No Code Required—instantly usable for any business size
- Built-In ISO 20022 Compliance for bank and regulatory alignment
Ask us How:
Request for Payment (RfP™) via RTP® offers a faster, more secure way for merchants to invoice customers using mobile phones, email, texting, SMS, or QR code delivery methods. These payment requests are built using ISO 20022 structured data, ensuring compatibility with all major financial institutions.
The RTP® network allows merchants to receive real-time good funds 24/7, reducing receivables aging and eliminating chargebacks. Each RfP™ is linked to a hosted, branded payment page, allowing customers to fulfill the payment without logging into a separate app or portal.
Merchants can also assign alias-based merchant IDs (MIDs) tied to phone numbers or emails, simplifying tracking and reconciliation across locations, departments, or divisions. With automatic reconciliation built in, once the payment is received, the system updates the ledger in real time.
Batch files or one-off invoices—both are supported. And with recurring payment models using RTP® debit, customers can opt into “Set it and Forget it” billing, reducing missed payments and increasing merchant predictability.
Incentivized RTP® Recurring Autopay with Alias-Based Debit
Customers can authorize recurring payments through RTP® using alias-based RfP™ debit. This system:
- Enables one-time standing approvals for future billing cycles
- Eliminates the need for manual payer review for each RfP™
- Supports monthly, weekly, or custom recurring schedules
- Uses alias identifiers (email, phone) instead of account/routing info
- Ideal for SaaS, insurance, healthcare, utilities, education, and more
- Ensures real-time good funds, even on weekends
Instant Payments Are Just a Click Away
With RfP™ via RTP® from TodayPayments.com, your business gets the ultimate advantage in real-time, alias-based invoicing and instant payment settlement.
Here’s what you unlock:
- Send secure invoices by SMS, mobile, QR, or email
- Alias-based security for frictionless customer experience
- Real-time settlement—24/7, even on weekends
- Recurring RfP™ billing with no manual follow-ups
- Hosted payment pages—no dev team required
- Full ISO 20022 support for global banking compatibility
- Lower DSO and eliminate cash flow bottlenecks
- Automatic reconciliation with live AR status updates
Ready to accelerate your collections and
modernize your invoicing?
👉 Get started now
at
TodayPayments.com — your real-time payment engine for
Request for Pay (RfP™) over RTP®.
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
