FedNow® & RTP® Real-Time Payments: Immediate Settlement for B2B, B2C, and C2B Transactions
To accelerate commerce by providing real-time payment rails through FedNow® and RTP®, empowering businesses of all sizes with instant, secure, and reliable digital transaction solutions that reduce risk, improve cash flow, and enhance financial control.
TodayPayments.com is the trusted fintech partner for forward-thinking businesses seeking fast, frictionless, and final digital payments. Our Immediate Payments Solution bridges the gap between traditional banking delays and modern commerce expectations, offering FedNow® and RTP® real-time processing with instant settlement, RfP (Request for Payment) invoicing, and no chargebacks. From small businesses to large enterprises, TodayPayments.com transforms how money moves.
Unlock the Power of Immediate Payments with FedNow® & RTP®
The Race for Real-Time Business Payments Is On
In a world where every second counts, businesses can no longer afford to wait days for payments to clear. Whether you're collecting from clients, paying vendors, or settling eCommerce transactions, the demand for instant, secure, and irrevocable payments has never been higher. Enter the Immediate Payments Solution—powered by FedNow® and RTP®—which delivers real-time fund transfers, bank-to-bank settlement, and full cash flow visibility across B2B, B2C, and C2B transaction types. It’s not just a faster way to move money—it’s the smarter way to run your business.
Technical Parameters & System Attributes
✅ FedNow® Parameters
- Settlement Time: Real-time (under 20 seconds), 24/7/365 availability
- Transaction Types: B2B, B2C, C2B, A2A
- Message Format: ISO 20022
- Max Limit: ~$500,000 (bank-controlled)
- Security: Federal Reserve-level authentication & monitoring
- RfP Support: Yes (Request for Payment compatible)
✅ RTP® Parameters
- Settlement Time: Instant, final, irrevocable
- Transaction Types: B2B, B2C, C2B, A2A
- Message Format: ISO 20022 + rich data layer
- Max Limit: ~$1 million (bank-controlled)
- RfP Support: Full support for billing and invoicing automation
- Chargebacks: Not allowed—ensures certainty of funds
Core Features of FedNow® & RTP®
- Real-time payments with instant confirmation
- Direct A2A (account-to-account) payments with no intermediaries
- Secure transactions with fraud controls and encryption
- Request for Payment (RfP) automation for billing and invoicing
- Supports both push and pull payments
- Continuous processing—24/7/365 (including weekends and holidays)
- Rich data payloads for invoice ID, memos, and account tagging
Business Benefits of Immediate Payments with FedNow® & RTP®
- Boost working capital with same-second receivables settlement
- Eliminate chargebacks, non-sufficient funds (NSF), and reversals
- Accelerate invoice-to-cash cycles with RfP and real-time crediting
- Automate reconciliation with accounting platforms like QuickBooks®
- Strengthen vendor relationships with on-time supplier disbursements
- Streamline customer experience with instant payment acknowledgment
- Ideal for payroll, B2B settlements, e-commerce, subscriptions, and utilities
Ask us How:
- Receive and pay FedNow® B2B transactions instantly with no settlement delays or chargeback risks
- Use RTP® for C2B real-time payments that eliminate credit card fees and provide guaranteed good funds
- Enable FedNow® Request for Payment to automate business invoicing and accelerate customer collections
- Integrate RTP® real-time payments into your billing software to deliver instant, secure B2C disbursements
- Switch from ACH to FedNow® for faster, more reliable A2A payment settlements with 24/7 uptime
- Use FedNow® and RTP® to reduce cash flow gaps with real-time, irrevocable fund delivery
- Leverage ISO 20022 RTP® messaging to reconcile high-volume payments with detailed transaction metadata
Using an Immediate Payments Solution for real-time and certainty in invoicing payments can bring significant benefits to businesses and their customers. Here's an overview of how such a solution can enhance your payment process:
Benefits of Immediate Payments Solutions
- Real-Time Payments:
- Faster Transactions: Payments are processed instantly, reducing the waiting time for funds to be available.
- Improved Cash Flow: Businesses can access their funds immediately, improving liquidity and financial management.
- Payment Certainty:
- Confirmation of Payment: Both the payer and the payee receive immediate confirmation, ensuring the transaction's success.
- Reduced Risk: Minimizes the risk of payment delays, bounced checks, or fraudulent transactions.
- Enhanced Customer Experience:
- Convenience: Customers benefit from a seamless payment experience, which can increase satisfaction and loyalty.
- Transparency: Real-time updates provide clarity on payment status, reducing disputes and misunderstandings.
- Operational Efficiency:
- Automation: Streamlined payment processes reduce the need for manual intervention, saving time and reducing errors.
- Integration: Immediate Payments Solutions can integrate with accounting and invoicing systems, ensuring accurate record-keeping and reporting.
Implementing an Immediate Payments Solution
To effectively implement an Immediate Payments Solution, consider the following steps:
- Choose a Reliable Provider:
- Research and select a payment service provider that offers real-time payment capabilities, strong security measures, and robust customer support.
- Integrate with Existing Systems:
- Ensure that the payment solution can seamlessly integrate with your current invoicing, accounting, and financial management systems.
- Educate and Train Staff:
- Train your team on how to use the new payment system efficiently, emphasizing the benefits and features.
- Communicate with Customers:
- Inform your customers about the new payment option, highlighting the speed and reliability it offers.
- Monitor and Optimize:
- Continuously monitor the performance of the Immediate Payments Solution, gathering feedback from users and making improvements as needed.
By leveraging an Immediate Payments Solution, businesses can enjoy faster, more reliable payments, enhance their financial management, and provide a superior customer experience.
Real-Time Payments Start Now at TodayPayments.com
If you're still waiting days for payments to clear, you're already behind. With FedNow® and RTP®, you can receive and pay instantly—no delays, no chargebacks, and no uncertainty. Whether you're managing payroll, paying vendors, billing clients, or collecting from customers, TodayPayments.com empowers you to transact with real-time precision.
✅ Get paid faster.
✅
Eliminate reversals.
✅ Enhance operational
efficiency.
Upgrade your payment infrastructure today—visit https://www.TodayPayments.com and activate your Immediate Payments Solution using FedNow® and RTP®.
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 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% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Immediate Payments Solution 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 Request For Payment payment processing
