Why RTP® Company & TodayPayments Are Game Changers for SMBs
Real-Time Payments Lower Costs & Better Cash Flow Management
RTP® Company – Real-Time Payments with TodayPayments, A Premier RTP® Processor
Revolutionizing Instant Payments for SMBs
Small and mid-sized businesses (SMBs) are constantly challenged by slow bank transfers, high processing fees, and delayed settlements from traditional ACH, credit cards, and wire transfers.
With RTP® (Real-Time Payments), businesses can now send and receive instant Account-to-Account (A2A) credit and debit transactions—24/7/365. Whether for B2B, C2B, or B2C transactions, RTP® delivers immediate settlement, enhanced security, and lower transaction costs.
Powered by TodayPayments, a premier RTP® processor, SMB merchants can integrate RTP® Request for Payments (RfP) via mobile, text, and email with .html linking, making transactions faster and more efficient for both payees and payers.
RTP® Request for Payments (RfP) – Mobile, Text & Email Transactions
Traditional payment systems are outdated. ACH takes days, wire transfers are expensive, and credit card processing fees eat into profits. RTP® provides a real-time, cost-effective alternative that integrates seamlessly into existing business operations.
Top Benefits of RTP® for SMBs
✅ Instant Payment Settlements
– Funds move in real time, 24/7/365
✅ Lower
Transaction Costs – Say goodbye to excessive credit card fees
& wire transfer charges
✅ Automated RfP
(Request for Payments) – Get paid instantly via mobile, text,
or email
✅ ISO 20022-Compliant Messaging –
Standardized and secure transaction data
✅
Eliminates Chargebacks – Final, irreversible payments ensure
merchant security
RTP® Request for Payments (RfP) – Mobile, Text & Email Transactions
How TodayPayments Simplifies RfP for SMBs
Request for Payments (RfP) is a powerful tool that allows businesses to send secure payment requests via mobile, text, or email. Customers can approve and complete transactions instantly through a .html payment link.
How RTP® RfP Works:
✔
Step 1 – Business generates an invoice or payment request
✔ Step 2 – An RfP is sent via mobile, text,
or email with a .html link
✔ Step 3 –
Customer clicks the secure link to authorize the payment
✔ Step 4 – Funds are transferred instantly via
RTP®
Key Benefits of RTP® RfP for SMBs
✔ No More Late Payments –
Customers complete transactions instantly
✔
Secure & Verified Transactions – Prevents fraud & unauthorized
chargebacks
✔ 24/7/365 Payment Processing –
No waiting for banks to process payments
✔
Instant Integration with QuickBooks®, ERP & Payroll Systems
Instant A2A Credit & Debit Transactions for B2B, C2B & B2C
Why SMBs Need Just-in-Time A2A Transfers
Businesses that rely on scheduled payments, supplier invoices, or customer transactions benefit from real-time Account-to-Account (A2A) payments, ensuring funds are available precisely when needed.
Industries Benefiting from RTP® Real-Time Payments
✅ E-commerce & Retail –
Instant checkout, supplier payments, & refunds
✅
Healthcare & Medical Billing – Faster claim settlements &
patient payments
✅ Real Estate & Property
Management – Quick rent, deposit, and escrow transfers
✅ Freelancers & Contractors – Get paid in
seconds, not days
✅ B2B Enterprises –
Automate vendor payments & supplier settlements
ISO 20022 Messaging – The Future of Business Payments
Secure, Structured & Automated Transactions
RTP® Transactions use ISO 20022 messaging, ensuring payments include structured and detailed transaction data for businesses, banks, and financial institutions.
✔ Automated Payment
Reconciliation – No manual data entry errors
✔
Enhanced Fraud Prevention – Secure, real-time payment
verification
✔ Global Standard for Compliance
– Works across multiple banking networks
With ISO 20022, businesses using RTP® can reduce fraud, enhance transaction transparency, and ensure better financial reporting.
Ask us How:
"How RTP® real-time payments improve
business transactions"
"TodayPayments – the premier RTP®
processor for SMBs"
"Request for Payments (RfP) via
mobile, text, email, and .html linking"
"Instant A2A
credit & debit transactions for businesses with RTP®"
"ISO 20022 messaging for RTP® real-time financial transactions"
Power Your SMB Payments with TodayPayments
Wiith
TodayPayments, a premier RTP® processor, you can:
✔ Enable real-time A2A payments for B2B, C2B & B2C
✔ Automate Request for Payments (RfP) via mobile,
text & email
✔ Reduce processing fees & eliminate
chargebacks
✔ Ensure instant settlements with ISO
20022 security
í ½íº€ Don’t let slow payments hold your business back. Upgrade to RTP® with TodayPayments now! í ½íº€
í ½í´— Get Started Today with TodayPayments
Creation Request for Payment Bank File
Enhance Your FedNow Company using Real-Time Payments 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 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 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.
Contact Us for Request For Payment payment processing
