Real-Time Credits via RTP® | Certainty with ISO 20022 Batch Payments
To empower businesses and financial institutions to adopt real-time financial settlement through Real-Time Credits over RTP® rails, enabling fast, secure, and transparent payments across all transaction types. We aim to standardize rich-data payments using ISO 20022 and promote real-time funding certainty across industries and platforms.
TodayPayments.com stands at the forefront of modern payment innovation—integrating RTP® Real-Time Payments, Real-Time Credits, FedNow®, ACH, and Card transactions into one robust platform. Through ISO 20022-compliant uploads, mobile invoicing, and Hosted Payment Pages, we provide certainty, speed, and rich-data transparency—empowering every transaction with good funds and zero reversal risk.
Send & Receive Real-Time Good Funds via ISO 20022-Compliant Payment Rails
The Next Era of Real-Time Credits with RTP® and ISO 20022
In today’s financial landscape, instant certainty and secure settlement are no longer optional—they are expected. Businesses, merchants, and financial institutions are rapidly adopting RTP® Real-Time Payments powered by Real-Time Credits to move funds between Payers and Payees with unmatched speed, irrevocability, and rich remittance data.
Whether you are initiating A2A (Account-to-Account), B2B (Business-to-Business), or C2B (Consumer-to-Business) payments, RTP® enables you to send and receive good funds instantly using ISO 20022 message specifications. Combined with Request for Payment (RfP), mobile invoicing, and digital batch uploads via Excel, XML, or JSON, this ecosystem provides a modern, unified path for financial certainty and seamless reconciliation.
Enable A2A, B2B, and C2B Instant Payments with Full Remittance & Settlement Control
RTP® Real-Time Payments: Parameters, Attributes, Benefits, and Features
|
Category |
Description |
|
Real-Time Credit Settlement |
Instant credit of funds from Payer to Payee with confirmation and finality |
|
RTP® Rail Certainty |
Irrevocable, good funds settlement with no chargebacks or revocation risks |
|
ISO 20022 File Formats |
Upload .XML, JSON, Excel (XLS/XLSX) using standardized rich-data message structures |
|
Send digital requests to Payers via email, SMS, or API that link to instant payment action |
|
|
Batch Processing Enabled |
Send recurring or one-time payment files in bulk to any bank or credit union |
|
Mobile and Text Invoicing |
Receive funds via mobile-friendly payment requests, enabling higher conversion rates |
|
Multi-Channel Delivery |
Deliver payment instructions via APIs, POS, hosted payment pages, or texting |
|
A2A, B2B, C2B Coverage |
Supports all transaction types from businesses, consumers, and institutions |
|
Upload to Any FI Nationwide |
Supports uploads to any U.S. bank or credit union with RTP® enablement |
|
Enhanced Reconciliation |
ISO 20022 messaging includes remittance data for faster accounting and audit trails |
Real-Time Credits for Merchants and Financial Institutions
With Real-Time Credits powered by RTP®, merchants, service providers, and institutions can now initiate and receive real-time payments with complete confidence. Whether you’re sending a one-time invoice or a recurring payment file, your Hosted Merchant Payments Page or digital invoicing platform can support click-to-pay RfP links, automated file uploads, and integration with your accounting system using ISO 20022 standards.
Businesses benefit from real-time certainty—no more ACH returns, no card disputes, no chargebacks. Once a Real-Time Credit is received via RTP®, the funds are final, irrevocable, and ready for immediate reconciliation. This provides unmatched liquidity, transparency, and operational control.
ISO 20022 Rich Data Messaging for Batch RTP® Payments
Organizations leveraging ISO 20022 can batch-process A2A, B2B, and C2B transactions using structured formats like:
- Excel (.xlsx) for spreadsheet uploads by accounting teams
- XML and JSON for API integrations with ERPs, CRMs, and billing systems
- RfP messaging formats for interactive Request for Payment workflows
These ISO 20022-compliant uploads are accepted by all participating banks and credit unions nationwide that support RTP® rails, making TodayPayments.com the most comprehensive and interoperable solution available for real-time settlement and payment batch automation.
Example Use Cases for Real-Time Credits via RTP®
- Vendors receiving bulk payments from distributors via scheduled XML batch files
- Medical clinics texting RfP links for patient co-pays and balances with instant good funds
- B2B service providers uploading Excel invoices for same-day RTP® payment settlements
- Retailers using mobile invoicing to accelerate receivables after delivery or pickup
- Accountants sending batch A2A payments across multiple business entities or clients
Real-time credits, facilitated by both Real-Time Payments (RTP) and FedNow, represent a significant advancement in the world of financial transactions. Here's why they're so important and what they entail:
1. Immediate Availability: When a payer initiates a payment through either RTP or FedNow, the funds are transferred instantly from the payer's account to the payee's account. This immediate availability of funds ensures that payees have access to "good funds" in real-time.
2. Finality of Transactions: Once a payment is made through RTP or FedNow, it is final and irrevocable. This means there is no risk of chargebacks or reversals, providing certainty to both the payer and the payee that the transaction is settled.
3. Enhanced Cash Flow: Real-time credits enable businesses and individuals to manage their cash flow more efficiently. Payees can access funds instantly, allowing for faster processing of payments, improved liquidity, and better financial planning.
4. 24/7 Availability: Both RTP and FedNow operate 24/7, 365 days a year, including weekends and holidays. This means that payments can be initiated and processed at any time, providing unparalleled flexibility and convenience.
5. Reduced Transaction Costs: Real-time payments can lead to cost savings for businesses by reducing the need for manual processes, such as reconciliation and handling of paper checks. Additionally, faster payment processing can help businesses avoid late fees and penalties.
6. Support for Various Use Cases: Real-time credits support a wide range of use cases, including person-to-person payments, bill payments, payroll, business-to-business transactions, and more. This versatility makes them suitable for various industries and applications.
Overall, real-time credits offered by RTP and FedNow represent a hallmark feature of modern payment systems, providing instant and irrevocable transfer of funds. This feature offers numerous benefits to both payers and payees, including improved cash flow, reduced transaction costs, and enhanced convenience.
With TodayPayments.com, you can turn every transaction into an instant, risk-free settlement. From Real-Time Credits using RTP® rails to ISO 20022-enabled uploads, we offer everything you need to ensure that your Payees receive good funds—fast, irrevocable, and 24/7.
Whether you’re a QuickBooks® user, enterprise controller, or startup CFO, you can send and receive payments that clear instantly, reconcile cleanly, and scale infinitely.
- Ready to power up with real-time
certainty?
- Start now at: -
https://www.TodayPayments.com
Because in the real-time economy, speed, certainty, and control aren’t optional—they’re essential.
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.
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 Credits 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
