Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Real-Time Payments Bill Pay Using FedNow® and RTP® – Just-in-Time Payments

To equip businesses with instant, automated bill payment solutions using FedNow® and RTP® for Just-in-Time settlement of A2A, B2B, and C2B transactions—powered by secure hosted RfP™ and ISO 20022 file compatibility.

TodayPayments.com is a go-to platform for modern bill pay solutions. By combining real-time payment rails, hosted RfP™, ISO 20022 support, and 24/7 settlement via FedNow® and RTP®, we help businesses eliminate uncertainty, manual reconciliation, and delay—replacing them with instant, irrevocable Good Funds and automated payment control.

 

Automate Real-Time Billing for A2A, B2B, and C2B Transactions Using FedNow® & RTP®

Just-in-Time Real-Time Payments Are the Future of Bill Pay

Traditional billing systems were built for delay—not certainty. ACH takes days. Cards bring risk. Checks are obsolete. Enter Just-in-Time Bill Pay using FedNow® and RTP®, where payments move instantly, securely, and irrevocably.

With TodayPayments.com, you can automate payments across POS, MOTO, ecommerce, and recurring billing cycles using hosted Request for Payment (RfP™) and ISO 20022 batch uploads. Every transaction is backed by Good Funds and real-time confirmation—with full visibility, tracking, and reconciliation.

It’s not just faster—it’s smarter, safer, and now.

TodayPayments.com delivers real-time billing infrastructure for businesses of all sizes. Using FedNow® and RTP®, payments settle in seconds with finality—perfect for Just-in-Time inventory systems, digital invoicing, or last-minute bill pay scenarios.

Merchants can send hosted RfP™ links by email, SMS, or digital invoice. Customers approve and pay instantly—reducing days sales outstanding (DSO), eliminating chargebacks, and ensuring 24/7 payment flow, even on weekends and holidays.

Real-Time Payments Parameters, Attributes, Benefits & Features

System Parameters

Feature

Description

Supported Rails

FedNow®, RTP®

Settlement Time

Real-Time (Under 10 Seconds)

File Support

ISO 20022: XML, JSON, Excel

Transaction Types

A2A, B2B, C2B

Recurring Billing

Yes, Auto-Pay Compatible

RfP™ Delivery

SMS, Email, Invoice, Mobile

Hosted Payment Pages

Secure, Branded, Device-Agnostic

Integration

QuickBooks® QBO and AR Systems

Availability

24/7/365

Core Features

1. Payee-Initiated RfPs with Hosted Payment Pages

Merchants can send secure payment links directly to customers—allowing them to pay instantly from mobile or desktop without logging into a portal.

2. Just-in-Time Payments with Irrevocable Good Funds

FedNow® and RTP® deliver payments instantly and with certainty—ideal for settling inventory purchases, emergency services, or scheduled subscription cycles.

3. Batch Uploads with ISO 20022 Compliance

Merchants can upload XML, Excel, or JSON files to automate high-volume payment requests—triggering hosted RfPs with rich remittance data.

4. Alias-Based MID Assignment for Division-Level Reconciliation

Assign merchant IDs by employee, department, or region for precise internal tracking and simplified AR visibility.

5. Automated Ledger Updates

Once a payment is received, the system instantly updates AR balances and syncs to QuickBooks® QBO or any integrated ERP—eliminating manual effort.

6. 24/7 Availability—No Bank Cutoffs or Weekend Delays

Whether payments are sent at midnight or on Sunday, FedNow® and RTP® process transactions in seconds—ensuring Just-in-Time settlement is always possible.

Ask us How:

  • Real-Time Bill Pay using FedNow® and RTP® enables merchants to receive certain, irrevocable Good Funds in seconds—supporting POS, MOTO, ecommerce, and batch workflows.
  • With ISO 20022 file support, merchants can automate Just-in-Time payments for A2A, B2B, and C2B billing across every U.S. financial institution.
  • Hosted RfP™ pages delivered by email or SMS provide customers with mobile-ready checkout links—no logins, no delays, just instant authorization.
  • Unlike ACH or card transactions, FedNow® and RTP® payments are settled immediately and cannot be reversed—reducing AR risk and improving cash flow certainty.
  • TodayPayments.com simplifies recurring and emergency billing by combining real-time payment rails with modern API and QBO integration.

Why Businesses Choose TodayPayments.com for Just-in-Time Real-Time Payments

  1. ✅ Instant Good Funds via FedNow® or RTP®
  2. ✅ Secure, branded hosted RfP™ payment pages
  3. ✅ Upload and process recurring payments with ISO 20022 files
  4. ✅ Real-time reconciliation with QuickBooks® QBO
  5. ✅ Eliminate AR aging and late pay cycles
  6. ✅ Enable Just-in-Time supplier or subscription billing
  7. ✅ 24/7/365 availability for uninterrupted settlement
  8. ✅ Alias-based MID tracking for enterprise visibility
  9. ✅ Onboard in minutes—fully digital and no coding required

Payers can now utilize FedNow and Real-Time Payments (RTP) for on-time, real-time bill payments, offering several advantages:

Advantages of Using FedNow and Real-Time Payments for Bill Pay

  1. Immediate Processing:
    • Instant Payments: FedNow and RTP enable payments to be processed and settled almost instantly, ensuring that bills are paid on time without delays.
    • 24/7 Availability: Unlike traditional banking systems, which often operate only during business hours, FedNow and RTP services are available 24/7, including weekends and holidays.
  1. Enhanced Cash Flow Management:
    • Real-Time Balances: Payers can manage their cash flow more effectively by knowing their real-time account balances after making payments.
    • Reduced Float: The immediate deduction of funds reduces the float time (the time between when a payment is initiated and when it is cleared), helping payers to have a more accurate view of their available funds.
  1. Improved Payment Tracking:
    • Instant Confirmation: Payers receive immediate confirmation of payment receipt, eliminating uncertainty about whether payments have been processed.
    • Enhanced Visibility: Detailed transaction tracking and records help in monitoring payments and maintaining accurate financial records.
  1. Reduced Late Fees and Penalties:
    • On-Time Payments: The ability to make last-minute payments ensures that payers can avoid late fees and penalties associated with delayed payments.
    • Reliability: The reliability of instant payment systems reduces the risk of late payments due to banking delays or processing times.
  1. Increased Security:
    • Secure Transactions: FedNow and RTP utilize advanced security measures to protect against fraud and unauthorized transactions.
    • Authentication: Enhanced authentication processes ensure that payments are securely processed and delivered to the correct recipient.
  1. Convenience:
    • Ease of Use: Users can initiate payments from their mobile devices or computers at any time, providing convenience and flexibility.
    • Automation: Payers can set up recurring payments for regular bills, ensuring that they are automatically paid on time.
  1. Cost Savings:
    • Reduced Transaction Fees: Real-time payment systems can often be more cost-effective than traditional methods, reducing the fees associated with wire transfers or expedited payments.
    • Efficiency Gains: The efficiency of real-time payments reduces the administrative burden on payers and payees, saving time and resources.

Use Cases for FedNow and Real-Time Payments

  1. Utility Bills:
    • Payers can ensure that their electricity, water, gas, and other utility bills are paid on time to avoid service interruptions.
  1. Loan Payments:
    • Timely loan repayments can help maintain good credit scores and avoid late payment penalties.
  1. Rent Payments:
    • Instant rent payments ensure that landlords receive funds on time, fostering positive tenant-landlord relationships.
  1. Insurance Premiums:
    • Making on-time insurance premium payments ensures continuous coverage and avoids policy lapses.
  1. Credit Card Bills:
    • Real-time payments help avoid interest charges and late fees by ensuring credit card bills are paid by the due date.

Utilizing FedNow and Real-Time Payments for bill payments provides significant advantages in terms of speed, security, and efficiency, making it a valuable tool for managing financial obligations effectively.

Tired of late payments, manual invoicing, and waiting days for funds to clear? Upgrade to Just-in-Time Real-Time Bill Pay.

At TodayPayments.com, we provide everything you need to bill, collect, and reconcile instantly using FedNow® and RTP®. Send Request for Payment (RfP™) links, batch upload ISO 20022 files, and watch funds hit your account in seconds—24/7, 365 days a year.

✅ Faster than ACH
✅ Safer than credit cards
✅ More reliable than checks
✅ Perfect for modern businesses

👉 Visit TodayPayments.com and activate your Just-in-Time Real-Time Billing System today.
Get Paid Instantly. Bill Smarter. Move Faster.

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment 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.
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. Request for Payment

... 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.

Pricing with our Request For Payment Solutions

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 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% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Bill Pay 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