RTP® Real-Time Payments: Instant B2B, B2C, and C2B Transactions with ISO 20022 and RfP Support
TodayPayments.com empowers U.S. businesses and financial institutions to streamline digital transactions using the RTP® network, enabling real-time payments, ISO 20022 messaging, and batch upload processing with security, speed, and settlement certainty.
TodayPayments.com positions RTP® Real-Time Payments as the go-to solution for enterprises, fintechs, and financial institutions seeking to modernize payment infrastructure. We enable secure B2B, B2C, and C2B instant payments through mobile, invoicing, and batch upload systems—offering unmatched speed, certainty, and data transparency.
Why RTP® Is Reshaping the Future of Business Payments
Modern businesses need more than just speed—they need payment certainty, automation, and fraud-proof settlement. Whether you're a SaaS platform, credit union, or utility provider, the need to receive and pay instantly across B2B, B2C, and C2B channels is critical. The RTP® network delivers real-time, secure transactions with ISO 20022 support and Request for Payment (RfP) messaging—eliminating chargebacks and processing delays.
RTP® Parameters, Attributes, Benefits & Features
✅ Parameters
- Transaction Types: B2B, B2C, C2B, G2C
- Settlement Time: Real-time (under 10 seconds)
- Message Format: ISO 20022
- Availability: 24/7/365
- Chargeback Risk: None (irrevocable)
- RfP Capabilities: Native support
- Batch Upload: Via .Excel, .XML, JSON for recurring or single payments
✅ Attributes
- Secure Credit Push Model: Funds move only with payer initiation
- Full Remittance Data: Encrypted ISO 20022 messages
- Mobile, SMS, and Digital Invoice Integration
- Supports Recurring and One-Time Transactions
- Real-Time Confirmation for Payees and Payers
✅ Benefits
- Instant access to funds with good funds certainty
- Eliminates chargebacks and unauthorized reversals
- Improves B2B vendor relationships with faster settlement
- Reduces manual reconciliation via rich message metadata
- Automates invoicing with RfP integration
- Minimizes operational risk for credit unions and banks
How RTP® Supports RfP, ISO 20022, and Batch Upload Workflows
The RTP® network enables businesses and financial institutions to:
- Send Request for Payment (RfP) via ISO 20022 messages for pre-authorization
- Receive instant credit push from payer-initiated transactions
- Upload payment batches in .Excel, .XML, or JSON formats for one-time or recurring use
- Embed rich payment data for automated reconciliation
- Integrate RTP® into accounting systems like QuickBooks® for real-time posting
Whether you're managing a utility billing system, vendor accounts, or subscription invoicing, RTP® ensures every transaction is fast, final, and fully documented.
Ask us How:
- RTP® Real-Time Payments for B2B, B2C, and C2B allow businesses to receive and pay instantly with zero chargeback risk.
- Use ISO 20022-compliant RTP® messages to streamline batch uploads for credit unions and financial institutions.
- RTP® RfP invoicing ensures secure mobile-initiated payments with immediate fund availability and payer authentication.
- Upload RTP® batch payments in Excel or XML to deliver recurring transactions with finality and reduced fraud exposure.
- Businesses using RTP® gain faster cash flow, fewer disputes, and real-time visibility over every transaction.
~ Secure. ~ Instant. ~ Irrevocable. That’s the RTP® advantage.
Whether you're processing batch payments for vendors, sending real-time customer payouts, or receiving instant mobile invoices via RfP, RTP® delivers what legacy rails can’t: true payment certainty.
Visit https://www.TodayPayments.com today to enable real-time B2B, B2C, and C2B RTP® payments with ISO 20022 and RfP integration. Start accepting secure, instant transactions with complete control, transparency, and 24/7 uptime.
Creation Request for Payment Bank File
Enhance Your RTP® Real-Time Payments 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.
... 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 RTP® Real-Time Payments payment processing pricing
