RfP Processor

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Real-Time Payments Gateway


Request for Payment (RfP) Processor – FedNow®, Real-Time Payments (RTP®), and Same-Day ACH

What is a Request for Payment (RfP) Processor?

FedNow® RfP Processor A Request for Payment (RfP) Processor enables businesses and financial institutions to send real-time, digital payment requests through FedNow®, RTP®, and Same-Day ACH networks. This modern invoicing and collection method streamlines accounts receivable, enhances cash flow, and reduces payment delays by allowing payers to respond instantly with a push payment. Unlike traditional invoicing, RfP ensures faster settlements, automated reconciliation, and improved payment security.

1) Request for Payment (RfP) via FedNow®

Instant Payment Collection with FedNow® RfP

The FedNow® RfP feature allows businesses to request payments in real time, enabling immediate responses and instant fund transfers. This eliminates check processing delays and enhances billing efficiency.

Key Features & Benefits:

  • Instant Invoice Payments – Receive funds within seconds via FedNow®.
  • 24/7/365 Availability – Payments can be made any time, including weekends and holidays.
  • Secure Transactions – End-to-end encryption for fraud prevention.
  • Better Cash Flow Management – Reduces outstanding receivables and late payments.

Key Steps to Implement:

  1. Partner with a FedNow®-enabled bank to process real-time RfP transactions.
  2. Integrate RfP into your invoicing system for automated payment requests.
  3. Send digital RfP notifications via SMS, email, or mobile apps.
  4. Receive instant push payments and automate reconciliation.

2) Request for Payment (RfP) via RTP® (Real-Time Payments)

Faster B2B & Consumer Payments with RTP® RfP

The RTP® Request for Payment (RfP) feature enables businesses to send structured payment requests to customers, vendors, or partners with the ability to pay instantly. This real-time billing method improves efficiency, security, and financial accuracy.

Key Features & Benefits:

  • Immediate Payment Confirmation – Funds settle in seconds, reducing collection delays.
  • Seamless Business Integration – Works with accounting, ERP, and banking systems.
  • Enhanced Payment Security – Complies with U.S. banking regulations.
  • Ideal for B2B, Payroll, and Invoice Settlements – Streamlines financial operations.

Key Steps to Implement:

  1. Connect with an RTP®-enabled financial institution to send and receive RfP.
  2. Enable RfP functionality in your invoicing or payment platform.
  3. Automate RfP notifications to customers and vendors.
  4. Receive instant RTP® push payments and update financial records.

3) Request for Payment (RfP) via Same-Day ACH

Flexible Payment Requests with Same-Day ACH RfP

Same-Day ACH RfP allows businesses to send batch-based payment requests that enable customers to respond within the same business day. This method is ideal for utility bills, payroll processing, and vendor settlements.

Key Features & Benefits:

  • Same-Day Fund Availability – Payments processed within hours, reducing wait times.
  • Lower Transaction Fees – More cost-effective than wire transfers.
  • Supports Recurring Billing & B2B Payments – Ideal for scheduled invoices.
  • Secure NACHA-Compliant Transactions – Reduces risk of unauthorized payments.

Key Steps to Implement:

  1. Partner with an ACH processor that supports Same-Day ACH RfP.
  2. Integrate RfP into your billing and accounting system.
  3. Schedule automated RfP batch requests for invoices and payroll.
  4. Track payments in real-time and reconcile transactions seamlessly.

Why Choose a Request for Payment (RfP) Processor?

Request for Payment (RfP) via FedNow®, RTP®, and Same-Day ACH offers a faster, more efficient, and secure way to collect payments, eliminating the delays of traditional invoicing and paper-based billing. By implementing real-time push payments, businesses can enhance cash flow, improve operational efficiency, and provide a seamless payment experience for customers and vendors.

Optimize your payment collection with a Request for Payment (RfP) processor today! 🚀

Request for Payment (RfP) Processor – FedNow®, RTP®, and Same-Day ACH with Digital Invoicing & Smart Payment Requests

Mobile Request for Payment

FedNow® RfP – Instant Payment Requests with Digital Notifications

Faster Invoicing and Payment Collection with FedNow® RfP

FedNow® RfP allows businesses to send real-time payment requests via smartphone notifications, emails, and text messages with secure hyperlinks for instant payment completion. This innovation eliminates manual invoicing and late payments, ensuring faster settlements and better cash flow management.

Key Features & Benefits:

  • Instant Push Payment Requests – Funds are transferred in seconds.
  • Smart Notifications – Request payments via email, SMS, and mobile apps.
  • 24/7/365 Availability – No banking-hour restrictions, enabling anytime payments.
  • Secure Hyperlink Payments – Customers can pay directly with a single click.

Key Steps to Implement FedNow® RfP:

  1. Partner with a FedNow®-enabled financial institution to process real-time RfP transactions.
  2. Integrate RfP with digital invoicing platforms for automated billing.
  3. Send payment requests via email, text, or push notifications with a secure payment link.
  4. Receive instant push payments and automate reconciliation in your accounting system.

RTP® RfP – Real-Time Payment Requests with Smart Integration

Automated Payment Collection with RTP® and Digital Invoicing

The RTP® Request for Payment (RfP) feature enables businesses to send real-time payment requests directly to customers, suppliers, or partners. Integrated with mobile devices, email, and SMS, RTP® RfP ensures faster settlements and seamless financial tracking.

Key Features & Benefits:

  • Instant Invoice Payments – Customers can respond instantly to RfP requests.
  • Real-Time Notifications – Request payments via text, email, or app alerts.
  • Seamless Integration – Works with ERP, banking, and accounting software.
  • Fraud Prevention & Security – Transactions comply with U.S. banking regulations.

Key Steps to Implement RTP® RfP:

  1. Enroll with an RTP®-enabled bank for real-time push payment requests.
  2. Enable RTP® RfP functionality within your digital invoicing system.
  3. Send payment requests via email, text, or mobile banking apps with one-click payment options.
  4. Track, confirm, and reconcile payments instantly in real-time financial reports.

3) Same-Day ACH RfP – Digital Payment Requests with Faster Processing

Batch-Based Payment Requests with Same-Day ACH & Smart Payment Links

Same-Day ACH RfP allows businesses to send payment requests in bulk, ensuring that customers or vendors can respond and complete payments within hours. With digital invoicing, smart notifications, and hyperlink-enabled payments, businesses can streamline B2B payments, payroll, and vendor settlements efficiently.

Key Features & Benefits:

  • Same-Day Fund Transfers – Payments settle within business hours.
  • Lower Transaction Costs – More affordable than wire transfers.
  • Ideal for Payroll & Recurring Billing – Great for scheduled or subscription payments.
  • Secure NACHA-Compliant Transactions – Prevents unauthorized payments and fraud.

Key Steps to Implement Same-Day ACH RfP:

  1. Work with an ACH processor that supports Same-Day ACH and RfP capabilities.
  2. Integrate RfP with your digital invoicing system for automated payment requests.
  3. Send RfP via email, text message, or app notifications with an embedded payment link.
  4. Ensure compliance with NACHA regulations and track payments in real time.

Why Choose a Request for Payment (RfP) Processor?

A Request for Payment (RfP) Processor with FedNow®, RTP®, and Same-Day ACH enhances payment collection efficiency by using digital invoicing, smartphone alerts, email, SMS, and secure hyperlinks. This next-generation invoicing and billing system helps businesses speed up payments, reduce processing costs, and improve cash flow.

Transform your payment collection process with an RfP Processor today for real-time, secure, and digital payment requests! 🚀

Creation Request for Payment Bank File

Enhance Your RfP Processor 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 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.

Request for Payment



... 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.


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