Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B with Instant Payment Solutions
TodayPayments.com empowers organizations to embrace real-time finance by offering secure, scalable RTP® Instant Payment Solutions with ISO 20022 support, mobile invoicing, and full compatibility with A2A, B2B, B2C, and C2B transactions.
TodayPayments.com positions its RTP® Instant Payment platform as the modern foundation for frictionless, immediate payments. Whether you're managing enterprise disbursements or digital commerce billing, our solution is designed for real-time performance, mobile integration, and operational certainty. With unmatched support for batch file uploads and rich metadata tagging, we make streamlined RTP® settlement possible for any payment type.
Real-Time Payment Rails Built for Business Agility
Today’s businesses can no longer afford to wait for funds to clear. Whether paying vendors, issuing customer refunds, or receiving recurring payments, organizations need instant, secure, and predictable settlement. That’s where RTP® (Real-Time Payments) steps in. With RTP® Instant Payment Solutions, you can receive and pay A2A, B2B, B2C, and C2B transactions in seconds—24/7/365—eliminating delays, chargebacks, and reconciliation headaches.
Backed by ISO 20022-compliant message standards, RTP® supports automated uploads, digital invoicing, and real-time confirmations, giving businesses and consumers alike full control and visibility over every payment.
Streamline Your RTP® Payments with TodayPayments.com
RTP® Parameters
RTP® (Real-Time Payments), operated by The Clearing House, is a U.S.-based payment rail designed for instant credit-push transactions. RTP® supports 24/7/365 real-time settlement, meaning payments are confirmed and irrevocable within seconds. The system is available to financial institutions nationwide and supports both single transactions and batch uploads using ISO 20022 formats such as Excel, XML, and JSON. RTP® supports A2A (account-to-account), B2B (business-to-business), B2C (business-to-consumer), and C2B (consumer-to-business) transaction flows, making it one of the most flexible real-time solutions on the market.
RTP® Attributes
The RTP® network ensures immediate good-fund transfers with no chargebacks or reversals. It’s built for modern payments with support for mobile-triggered Request for Payment (RfP) messages, integration with digital platforms, and compliance with ISO 20022 structured messaging. RTP® payments can carry invoice numbers, payer instructions, and reconciliation references, improving automation and reducing accounting overhead. Its irrevocability, security, and constant availability make it ideal for both recurring and one-off transactions.
RTP® Benefits
With RTP®, businesses benefit from:
- Accelerated cash flow with same-second settlement
- Finality of funds, reducing risk and eliminating returned payments
- 24/7/365 processing that operates beyond banking hours
- Detailed remittance data for seamless reconciliation
- Improved customer experience with instant confirmation and visibility
- Real-time liquidity optimization, enabling faster vendor payouts and collections
RTP® Features
- ✅ Real-Time Fund Availability – Payments settle instantly within seconds
- ✅ ISO 20022 Rich Data Messaging – Support for invoice references, purpose codes, and metadata
- ✅ Request for Payment (RfP) – Invoicing via mobile, email, or platform API
- ✅ 24/7/365 Availability – No cutoff times or holiday downtime
- ✅ Batch Uploads Supported – Upload Excel, XML, or JSON for large-scale automation
- ✅ A2A, B2B, B2C, C2B Compatibility – Works across all transaction categories
- ✅ Secure and Irrevocable – All payments are final and chargeback-free
ISO 20022 File Formats for Real-Time Payments
Financial institutions and enterprise users can automate RTP® transactions using structured file formats:
- Excel (.xlsx): Simple and user-friendly for recurring uploads
- XML (ISO 20022): Fully structured message fields for integration with accounting and ERP platforms
- JSON: Lightweight and API-compatible for real-time applications
These formats enable one-time or recurring batch transactions, simplifying high-volume disbursements, billing, and collections.
✅ Ask us How:
Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Payment Solutions enables fast, secure, and real-time transactions with immediate RTP® settlement for businesses and consumers, streamlining all payment flows while eliminating delays and chargebacks. RTP® supports ISO 20022 file uploads, making it easy to process bulk payments using Excel, XML, or JSON files through any RTP®-enabled financial institution.
With RTP®, organizations can upload a single file and instantly settle multiple A2A, B2B, or C2B payments with finality. Mobile invoicing is also supported via Request for Payment (RfP), enabling merchants to bill and collect with real-time speed and transparency. From payroll disbursements to utility billing, RTP® empowers businesses to modernize their payment workflows with real-time control.
Don’t let outdated payment methods slow down your business. TodayPayments.com gives you full access to RTP® Instant Payment Solutions, empowering you to receive and send real-time funds with complete confidence and control.
✅ Settle payments
instantly
✅ Eliminate chargebacks
✅
Automate transactions using Excel, XML, or JSON
✅
Digitize billing with RfP
✅ Access 24/7/365
real-time fund certainty
Visit https://www.TodayPayments.com now to activate your RTP® Instant Payment Solution—and bring speed, security, and scalability to every payment you send or receive.
Creation Request for Payment Bank File
Enhance Your Instant Payment Solutions 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 Instant Payment Solutions payment processing pricing
