RTP® Request for Payment (RfP™) Service for Automatic Bill Pay
To simplify billing and accelerate cash flow for U.S. businesses by offering RTP® Request for Payment (RfP™) tools that support automatic bill pay, alias invoicing, and real-time good funds settlement — all enabled by ISO 20022 messaging and hosted payment page orchestration.
TodayPayments.com delivers enterprise-grade RTP® RfP™ invoicing and automatic bill pay solutions, allowing merchants to send digital payment requests via email, SMS, mobile, or QR code, with real-time transaction routing to multiple bank accounts via smart hosted payment pages. Designed for POS, MOTO, subscription, ecommerce, and utility providers, our solution enables good fund certainty, data integrity, and seamless multi-account orchestration.
What Is RTP® Request for Payment (RfP™) Automatic Bill Pay?
Reinventing Real-Time Billing with RTP® RfP™
and Hosted Payment Pages
Manual invoicing and outdated payment systems
create friction, delay settlements, and strain merchant cash flows.
Enter RTP® Request for Payment (RfP™) Service with Automatic Bill
Pay — a smarter, faster, and secure way to invoice and collect
payments in real time.
From SMS, email, and QR code invoices to
hosted payment pages connected to multiple deposit accounts,
this next-generation solution supports alias-based payments, ISO
20022 XML messaging, and batch file uploads, enabling real-time
orchestration of billing, data, and deposit management.
RTP® RfP™ is a structured, real-time digital invoice issued from a Payee (merchant) to a Payer (customer). Instead of sharing routing and account numbers, merchants use alias identifiers (like phone numbers or emails). The payer receives a hosted payment link and authorizes instant payment via RTP®, ACH, card, or financing rails.
With Automatic Bill Pay, customers can authorize one-time or recurring payments without manual review — enabling seamless, timely, and irrevocable settlement into merchant accounts.
Itemized Parameters, Attributes, Benefits & Features of RTP® RfP™
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
Supported Invoicing Channels
- SMS or Text Messaging
- Email-Based Invoicing
- QR Code (QRC) Scanning for POS & Print
- Hosted Payment Pages (multi-account orchestration)
- ERP and QuickBooks® Batch Uploads
Itemized Parameters, Attributes, Benefits & Features of RTP® RfP™
Minimum ISO 20022 Fields Required for RTP® RfP™ Transactions
|
Parameter |
ISO 20022 Tag |
Description |
|
Message ID |
<GrpHdr><MsgId> |
Unique transaction reference |
|
Payment Info ID |
<PmtInf><PmtInfId> |
Group ID for batch/recurring sets |
|
Payee (Merchant) Name |
<Cdtr><Nm> |
Legal name of the merchant |
|
Payer (Customer) Name |
<Dbtr><Nm> |
Name of the paying customer |
|
Alias Identifier |
<CdtrAcct><Id> |
Email or mobile number alias |
|
Amount |
<Amt><InstdAmt> |
Invoice amount in USD |
|
Execution Date |
<ReqdExctnDt> |
Payment due date or real-time trigger |
|
Purpose Code |
<Purp><Cd> |
“INVOICE”, “SUBSCRIPTION”, etc. |
|
Memo/URL Description |
<RmtInf><Ustrd> |
145-character unstructured description |
Key Attributes
- Real-time debit and irrevocable credit settlement via RTP®
- Alias-based invoicing — no account or routing number exposure
- ISO 20022 XML, Excel, and JSON compatibility
- 145-character unstructured messaging for hosted page URLs
- Batch uploads for recurring or high-volume invoices
- Multi-account routing via smart hosted payment page logic
- POS, MOTO, ecommerce, and mobile optimized
- Good fund confirmation and no chargebacks
Business Benefits
- Automate recurring billing with “set-it-and-forget-it” authorization
- Batch process invoices for A2A, B2B, and C2B in seconds
- Receive real-time deposits into specific accounts
- Maintain clean data hygiene with structured ISO fields
- Increase security by avoiding sensitive bank data sharing
- Gain better cash flow forecasting with guaranteed fund certainty
- Deliver frictionless customer experiences with mobile-first design
Ask us How:
RTP® Request for Payment (RfP™) Service for Automatic Bill Pay allows merchants to send secure, alias-based digital invoices through SMS, email, mobile apps, and QR code. These invoices redirect customers to a hosted payment page, where they can select from multiple payment rails (RTP®, ACH, BNPL, credit card) and deposit good funds directly into designated accounts.
Using ISO 20022 XML formatting with a 145-character unstructured field, businesses can embed secure invoice links, improve reconciliation, and maintain clean, rich data. For recurring payments, standing approval lets customers pre-authorize future transactions — eliminating manual approval and ensuring merchants are always paid on time.
By orchestrating multiple RfP™ merchant accounts behind hosted pages, businesses can streamline collections across divisions, product lines, or regional bank accounts — while maintaining ISO-compliant workflows, good-fund certainty, and real-time control over collections.
Streamline Real-Time Billing at TodayPayments.com
Don’t let outdated billing systems slow your growth.
With TodayPayments.com, you get a secure, intelligent, and automated RTP® Request for Payment (RfP™) Service designed for:
✅ Alias-based invoicing — email,
phone, no bank data needed
✅ Hosted payment pages
with multi-account coordination
✅ Instant,
irrevocable good funds using RTP® and other rails
✅ Recurring and batch billing via QuickBooks®,
Excel, or API
✅ ISO 20022 XML compliance with
smart remittance fields
✅ Real-time orchestration
across A2A, B2B, C2B use cases
Start today at https://www.TodayPayments.com and transform how your business collects payments.
Creation Request for Payment Bank File
Enhance Your RequestForPaymentService.com 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 "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 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
