Real-Time Payments Services with Mobile, SMS, Email & QR-Based Requests
To deliver secure, mobile-first Real-Time Payments Services that allow businesses to send, receive, and reconcile instant good funds through SMS, email, text, and QR code using modern digital rails like RTP® and FedNow®.
TodayPayments.com provides a modern, multi-channel Real-Time Payments platform—empowering merchants to collect good funds instantly through mobile-first Request for Payment tools, ISO 20022 batching, and hosted payment links using RTP®, FedNow®, and other payment rails.
Send and Receive Instant Good Funds with Certainty and Speed
In a world where payment delays disrupt cash flow and slow down growth, businesses need instant, mobile-friendly ways to collect money. Real-Time Payments Services now make it possible to send payment requests via mobile phones, emails, SMS, text messages, or QR codes, allowing payers to fund transactions instantly—anytime, anywhere.
Using cutting-edge rails like RTP® and FedNow®, these services empower merchants to receive irrevocable good funds in seconds. Whether you’re sending an invoice from a POS terminal, ecommerce cart, or MOTO system, real-time payments mean no more waiting, no more uncertainty.
Real-Time Payments Services give merchants the power to send payment requests directly to a customer’s mobile phone via SMS, email, or by scanning a Quick Response Code (QRC). The payer receives a secure hosted payment link and completes the transaction instantly through RTP®, FedNow®, ACH, card, or BNPL.
These payment flows provide real-time settlement, meaning the funds are final, irrevocable, and confirmed—24/7/365, even on weekends or holidays.
Multi-Channel Delivery and ISO 20022 Batching Support
Businesses can batch and automate payment requests with ISO 20022-compliant file formats such as Excel, XML, and JSON. This enables structured, trackable payment requests that settle in real time across:
- A2A (Account-to-Account)
- B2B (Business-to-Business)
- C2B (Consumer-to-Business)
With hosted checkout pages, merchants can offer flexible options to payers while ensuring immediate receipt of good funds and automated reconciliation into their financial systems.
✅ Real-Time Payments Parameters, Attributes, Benefits, and Features
Parameters
- Request Methods: Mobile Phone, Email, SMS, Texting, QR Code (QRC)
- Payment Rails: RTP®, FedNow®, ACH, BNPL, Cards
- Batching Formats: Excel (.xlsx), .XML, JSON (ISO 20022)
- Transaction Types: A2A, B2B, C2B
- Settlement Speed: Instant, Final, 24/7/365
- Checkout Flow: Hosted Payment Page
Attributes
- Mobile-First Design: Prompt payers directly through SMS, email, or QR code scan
- Instant Good Funds: No revocations, chargebacks, or payment delays
- Recurring Billing Enabled: Ideal for subscriptions, memberships, utilities
- ISO 20022 Rich Data: Embedded metadata supports audit, automation, and compliance
- Hosted Payment Pages: Branded checkout experience for RTP®, ACH, card, or BNPL
- Bank-Wide Compatibility: Works with all major U.S. banks and credit unions
- Full AR Integration: Syncs with QuickBooks®, ERPs, and custom systems
Ask us How:
- Real-Time Payments Services allow businesses to request and receive irrevocable payments via mobile phone, SMS, email, or QR code, ensuring funds are received within seconds.
- Through ISO 20022-based batching, merchants can upload Excel, XML, or JSON files to send payment requests across all supported U.S. banks and credit unions, handling thousands of invoices at once.
- The hosted payment page gives the payer flexibility to pay via RTP®, FedNow®, ACH, card, or BNPL, while providing the payee with instant good funds and confirmation of receipt.
- Businesses that rely on recurring billing models can automate variable or fixed payment requests with built-in real-time delivery and AR tracking integration.
- Text-based invoicing and QR code scanning enable frictionless payments—ideal for mobile checkout, delivery, curbside pickup, and on-the-go payment collection.
- The integration of real-time rails with mobile delivery and ISO 20022 messaging gives finance teams unparalleled control over cash flow, payment tracking, and reconciliation.
- Whether you manage POS transactions, ecommerce stores, utility billing, or MOTO orders, Real-Time Payments Services accelerate revenue recognition and streamline customer experience.
Real-Time Payments (RTP) services, including FedNow and Request for Payment (RfP), represent a significant advancement in the realm of financial transactions. Here's a breakdown:
- FedNow:
- Description: FedNow is a real-time gross settlement service being developed by the Federal Reserve in the United States. It's designed to facilitate instant payments, enabling individuals and businesses to send and receive funds 24/7/365.
- Features:
- Instantaneous Transactions: Provides immediate settlement of payments.
- 24/7 Availability: Operates round the clock, including weekends and holidays.
- Direct Clearing: Transactions settle directly between banks, reducing intermediaries.
- Benefits:
- Enhanced Efficiency: Accelerates payment processing, reducing wait times and potential delays.
- Improved Cash Flow: Enables quicker access to funds, enhancing liquidity for businesses and individuals.
- Greater Financial Inclusion: Helps bridge gaps in access to financial services, particularly for underserved communities.
- Description: Request for Payment (RfP) is a feature within real-time payment systems that allows individuals or businesses to initiate payment requests.
- Features:
- Initiation of Payment Requests: Enables users to request funds from other parties.
- Real-Time Notifications: Notifies payers immediately about payment requests.
- Integration with Payment Systems: Can be integrated into various payment platforms to facilitate seamless transactions.
- Benefits:
- Streamlined Payment Processes: Simplifies the process of requesting and receiving payments.
- Enhanced Accountability: Provides a clear record of payment requests and responses.
- Flexibility: Offers greater flexibility in managing payments, allowing for more dynamic financial interactions.
Combining FedNow with features like Request for Payment further enhances the efficiency and convenience of real-time payment systems, fostering a more interconnected and responsive financial ecosystem.
Why wait days to get paid when you can settle in seconds? At TodayPayments.com, our Real-Time Payments Services let you send and receive irrevocable good funds instantly using mobile phones, emails, SMS, and QR codes.
✅ Deliver secure payment
requests via mobile, SMS, or QR
✅ Accept RTP®,
FedNow®, ACH, or card—payer’s
choice
✅ Batch upload ISO 20022 files for
recurring and one-time billing
✅ Automate
reconciliation with AR and QuickBooks® integration
✅ Offer hosted checkout links with full branding and
multi-rail support
✅ Eliminate chargebacks,
delays, and manual invoice chasing
👉 Visit
https://www.TodayPayments.com
Start powering your
receivables with Real-Time Payments today.
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 Final: All RTP and Instant Payments are Final & Irrevocable.
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.
Software Integration: Integrate your A/R & A/P 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 FedNow or 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 .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting files using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods 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) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Payments Services system.
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 Real-time Payments processing
