Real-Time Payments RTP® to Receive and Pay B2B, B2C, C2B Using Instant ACH
TodayPayments.com empowers financial institutions and service providers with seamless, secure, and scalable real-time payment solutions powered by RTP® and Instant ACH—offering unmatched transaction certainty across every business model.
TodayPayments.com is the go-to platform for instant payment innovation. We simplify how businesses receive and send real-time payments using RTP® and Instant ACH—fully integrated with ISO 20022 data formats, batch processing, and secure RfP billing. Our real-time solutions drive faster fund flow and smarter service delivery across B2B, B2C, and C2B use cases.
Fast, Final, and Fully Automated — RTP® + Instant ACH for Real-Time Payment Certainty
In the evolving world of digital commerce and financial services, speed and certainty are essential. That’s why RTP® combined with Instant ACH is redefining real-time transactions for businesses and consumers alike. Whether you’re a service provider, enterprise, government agency, or credit union, you can now send and receive funds instantly—with the security of RTP® and the reliability of Instant ACH.
This solution supports B2B, B2C, and C2B transactions, and enables real-time settlement with “Good Funds” certainty. Upload files in Excel, XML, or JSON and leverage ISO 20022 data messaging to manage one-time or recurring payments with ease. Plus, with digital invoicing and Request for Payment (RfP) functionality, payees can initiate secure payments with a click—through email, SMS, or mobile.
Itemized Parameters, Attributes, Benefits and Features
1. Real-Time Payments with Instant ACH Finality
- Combines the speed of RTP® with the reliability of Instant ACH.
- Supports B2B (business-to-business), B2C (business-to-consumer), and C2B (consumer-to-business).
- Instant credit transactions with Good Funds certainty and no reversals.
2. Batch File Uploads for One-Time or Recurring Transactions
- Upload payments via Excel (.xls/.csv), .XML, or JSON formats.
- Schedule recurring payments or execute one-time payouts with accuracy and speed.
- Ideal for credit unions, payroll systems, billing platforms, and enterprise operations.
3. ISO 20022 Rich Data Messaging Support
- Structured messaging for:
- Invoice ID
- Transaction Purpose
- Payer & Payee Details
- Supports reconciliation, audit readiness, and API-based automation.
4. Request for Payment (RfP) Billing Integration
- Send a clickable payment
request via:
- SMS
- Mobile apps
- Payers can pay instantly with RTP® or Instant ACH from any device.
- Reduces friction and increases collection success for C2B and B2B flows.
5. Digital Invoicing and Mobile-First User Experience
- Deliver invoices digitally with embedded RTP® payment links.
- Users can complete transactions securely from phones, tablets, or desktops.
- Enables merchants, freelancers, and institutions to collect funds instantly.
6. Credit Union & Financial Institution Batch Upload Compatibility
- Send credit files from any financial institution or credit union linked to RTP® or FedNow®.
- Secure transmission of high-volume files with built-in error checking.
- Final settlement and real-time acknowledgment ensure clean processing.
Ask us How:
- “Real-Time Payments RTP® to Receive and Pay B2B, B2C, C2B using Instant ACH combines the speed of RTP® with the reliability of Instant ACH to deliver secure, real-time fund transfers and immediate settlement across all transaction types—business-to-business, business-to-consumer, and consumer-to-business.”
- “Upload batch payments from credit unions using ISO 20022-formatted Excel, XML, or JSON files to instantly credit B2B and C2B recipients with Real-Time Payments RTP®.”
- “Digital invoicing with Request for Payment (RfP) lets payees receive immediate funding certainty through secure RTP® and Instant ACH settlement.”
- “Enable recurring or one-time payments through Instant ACH and RTP® with full support for ISO 20022 messaging, reconciliation, and audit tracking.”
Say goodbye to payment delays,
bounced transfers, and chargeback risks.
With RTP®
and Instant ACH through TodayPayments.com, you’ll
unlock real-time fund movement across B2B, B2C, and C2B
channels—whether you’re invoicing clients, paying
vendors, or collecting from consumers.
You get:
✅
Instant Good Funds
✅ ISO 20022 batch file
support
✅ RfP invoicing via email, SMS, and
mobile
✅ Full API and mobile-first
compatibility
✅ Support for credit unions,
payroll providers, and enterprise platforms
It’s time to move at the speed of now.
Visit
https://www.TodayPayments.com to start receiving and
sending RTP® with Instant ACH today—batch, recurring, or
on-demand.
Creation Request for Payment Bank File
Enhance Your FedNow® Parameters, Attributes, Benefits, and Features 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 FedNow® Parameters, Attributes, Benefits, and Features payment processing pricing
