Biller's login - Hosted Payments Page


Request Bill Payments Instantly Using FedNow® and RTP® Rails

To modernize bill collection through instant, secure, and real-time Request for Payments (RfP™) using FedNow® and RTP® rails, empowering merchants to deliver digital invoicing and receive irrevocable good funds anytime, anywhere.

TodayPayments.com enables fast, compliant, and mobile-first bill payment requests through real-time rails. We provide businesses with the tools to Request Bill Payments instantly via FedNow® and RTP®, leveraging ISO 20022 messaging for precision, alias-based invoicing for simplicity, and hosted payment experiences for payer convenience.

 

Alias-Based, ISO 20022 -Compliant Invoicing for Real-Time Good Funds

In a world where speed and trust define success, merchants need smarter ways to get paid. Traditional billing methods like ACH or mailed invoices delay cash flow and increase operational friction. That’s where Request for Payments (RfP™) over FedNow® and RTP® rails comes in.

With RfP™, merchants can request bill payments instantly, send invoices by mobile or email, and receive good funds in seconds—all while maintaining complete control and security through ISO 20022-compliant messaging.

Requesting payments no longer requires sharing bank account or routing numbers. Using alias-based identifiers like email or mobile number, merchants can send RfPs that:

  • Deliver instantly to the customer via SMS, email, QR code, or app
  • Redirect to a hosted payment page where payers choose how and when to pay
  • Settle funds instantly via FedNow® or RTP® A2A rails
  • Provide real-time confirmation and transaction-level tracking

This process is ideal for POS, MOTO, eCommerce, and platform-based billing systems.

Recurring Autopay and Batch Support with Standing Authorization

With standing approval, customers can allow future RfPs to be automatically fulfilled—ideal for:

  • Subscription billing
  • Insurance premiums
  • Healthcare co-pays
  • Utility payments

Batch RfPs can be uploaded using ISO 20022-formatted files like .XML, .CSV, or .JSON to streamline high-volume billing.

Request for Payments – Parameters, Attributes, Benefits and Features

Parameter/Feature

Description

RfP Type

Real-Time A2A Debit via FedNow® or RTP®

Invoicing Method

SMS, Email, QR Code, App, Hosted Payment Page

Payer Identification

Alias-based (Email, Phone Number, Tokenized ID)

Authorization Model

One-Time Standing Approval for Recurring Autopay

Settlement Time

Instant, Irrevocable, Good Funds

Batch Processing

Upload via ISO 20022 XML, CSV, or JSON formats

Channels Supported

POS, MOTO, Web, Mobile, eCommerce

Remittance Data

ISO 20022 Rich Messaging – Customizable Memo & Invoice Fields

Customer Experience

“Set it and forget it” recurring billing

Merchant Industries

SaaS, Insurance, Healthcare, Utilities, Professional Services, Subscriptions

Minimum Required ISO 20022 Request for Payment Data Fields

For a Request for Payment to be compliant and processable, the following minimum ISO 20022 fields are required:

ISO 20022 Field

Description

MsgId

Unique message ID for audit and tracking

CreDtTm

Timestamp of creation

EndToEndId

Unique reference ID (invoice number or order ID)

InstdAmt/Ccy

Payment amount and currency

Dbtr/Nm

Debtor (payer) alias or display name

Cdtr/Nm

Creditor (merchant/payee) name

DbtrAcct/Id

Alias or token-based payer identifier

CdtrAcct/Id

Payee bank account or alias

ReqdExctnDt

Requested payment execution/due date

RmtInf/Ustrd

Remittance memo or billing reference

These fields ensure consistency, traceability, and compatibility across financial institutions participating in the FedNow® and RTP® networks.

Ask us How:

  • Easily request bill payments instantly using FedNow® and RTP® real-time payment rails for faster, more secure collections.
  • Use Request for Payment (RfP™) to send digital invoices by mobile, email, SMS, or QR code, without needing routing or account numbers.
  • Enable recurring billing through standing authorization, allowing customers to approve future RfPs without manual approval.
  • Batch upload ISO 20022-compliant files (.XML, .JSON, .CSV) to process thousands of RfPs across all major U.S. financial institutions.
  • With hosted payment pages, customers can choose their preferred payment rail—FedNow®, RTP®, ACH, BNPL, or cards—and complete payments securely.

"Request Bill Payments" represent the latest evolution in digital invoicing, offering a streamlined and efficient way for payees to initiate payment requests from payers. Here's how Request Bill Payments work when payees send communications to payers via texting, email, point of sale (POS), or digital platforms:

  1. Initiating Requests:
    • Payees create and send Request Bill Payments to their customers or clients, specifying the amount due, payment details, and any relevant information. This can be done through various channels like texting, email, POS systems, or digital platforms.
  1. Texting and Email:
    • Payees can send Request Bill Payments via text message or email, providing a convenient and direct communication channel for customers to receive and respond to payment requests.
  1. Point of Sale (POS):
    • In retail or physical locations, payees can generate Request Bill Payments directly from their POS systems when customers make purchases. This allows for seamless integration of payment requests into the sales process.
  1. Digital Platforms:
    • Through digital platforms such as invoicing software or online portals, payees can create and manage Request Bill Payments efficiently, offering customers a centralized hub for viewing and responding to payment requests.
  1. Payment Details:
    • Request Bill Payments include comprehensive payment details, such as the amount owed, due date, accepted payment methods (ACH, credit cards, etc.), and instructions on how to complete the payment.
  1. Convenience and Accessibility:
    • By leveraging texting, email, POS, and digital platforms, payees make it easy for payers to receive and respond to payment requests from anywhere, at any time, using their preferred communication and payment methods.
  1. Integration with Payment Gateways:
    • Payees integrate Request Bill Payments with payment gateways to facilitate secure and efficient payment processing. This ensures that payments made in response to the requests are processed seamlessly and funds are deposited into the payee's account.
  1. Tracking and Management:
    • Payees can track and manage Request Bill Payments through dedicated software or platforms, allowing for efficient monitoring of payment statuses, reminders for overdue payments, and reconciliation with accounting records.
  1. Customer Experience:
    • Offering Request Bill Payments enhances the customer experience by providing a convenient and transparent way for customers to manage their invoices and make payments, leading to improved satisfaction and retention.
  1. Security and Compliance:
    • Payees prioritize security and compliance by implementing measures to protect sensitive payment information, adhere to regulatory requirements, and prevent fraud or unauthorized access to payment requests and transactions.

Overall, Request Bill Payments represent a modern and efficient approach to invoicing and payment collection, leveraging digital communication channels and technology to streamline the payment process and enhance the overall customer experience.

Send, Settle, and Scale with Real-Time RfPs at TodayPayments.com

The future of billing is instant, mobile, and alias-driven. With TodayPayments.com, you can Request Bill Payments instantly using FedNow® and RTP®, send digital invoices through any channel, and get paid in seconds.

Whether you're billing once or setting up recurring payments, our platform ensures real-time good funds, seamless reconciliation, and a customer experience that promotes on-time payments.

👉 Visit https://www.TodayPayments.com today to start sending ISO 20022-compliant RfPs—and get paid instantly, every time.

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Payment Money Transfer: Current limit of $1,000,000+ ~ FedNow, $10,000,000+ ~ RTP.
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.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your Management or Enterprise software with us.
! Message Detail: Full 145 characters available using ISO 20022 messaging XML format. ~ Call us now for all the Benefits: Pay FedNow, RTP, ACH, Credit Cards .html links!!
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 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 Professionals

hand shake

 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 data for completed 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.

Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.

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