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Real-Time Payments Gateway


Instant Request Payment with Alias Routing for Real-Time Digital Transactions

TodayPayments.com empowers businesses to streamline payment collection using Instant Request Payment tools with alias routing, real-time settlement, and ISO 20022 compatibility—delivering fast, secure, and reliable digital invoicing solutions.

TodayPayments.com is a premier platform for real-time alias-based Request for Payment (RfP) automation, helping businesses reduce invoice aging, boost cash flow, and ensure settlement certainty with real-time rails and modern messaging formats. We help Payees get paid faster—and Payers pay smarter.

 

Real-Time Payment Requests — Alias-Driven and Delay-Free

FedNow, Instant Request Payment and Real-Time instant payments, are defined simply as: Irrevocably collected funds in a bank account and usable immediately by the owner of the account. Our "Good Funds" payment gateway allows for instant real-time digital payments that are immediate, irrevocable, intra-bank and/or interbank account-to-account (A2A) transfers that utilize a real-time and text messaging system connected to every transaction participant through all U.S.-based financial institutions.

In today’s digital economy, businesses can no longer afford to wait days for payments to clear. Instant Request Payment using Alias-based routing transforms the billing process by allowing Payees to securely send real-time payment requests to Payers using just an email address, mobile number, or token ID.

This frictionless solution is built for speed, security, and cash flow certainty, giving businesses the power to request and receive Good Funds instantly—across all transaction types, including A2A, B2B, B2C, and C2B.

Conclusion: Upgrade to Real-Time Alias-Based Invoicing

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Instant Request Payment provides businesses with Payees and Payers using Aliases with a fast, secure way to request and receive digital payments in real time, reducing delays and boosting cash flow efficiency. By routing payment requests through alias identifiers like mobile numbers or email addresses, companies can bypass account entry barriers and deliver RfP invoices directly to Payers' preferred channels.

Each RfP transaction is built on ISO 20022 messaging, allowing rich data like invoice numbers, customer references, and due dates to travel with the payment request. These features enhance transparency and reduce reconciliation errors—especially when payments are uploaded in batch format (Excel, .XML, JSON).

Whether sending hundreds of requests to consumers or automating vendor settlements, businesses receive irrevocable Good Funds instantly via RTP® or FedNow®. Alias routing adds security and ease-of-use, while real-time delivery ensures cash flow predictability and a modernized payables strategy.

By using TodayPayments.com’s platform, your business can send and track alias-based RfP requests with full visibility, eliminating delays and chargebacks while boosting operational agility.

Key Parameters

  • Payment Type: Request for Payment (RfP)
  • Alias Routing: Mobile number, Email address, Token ID
  • Transaction Types: A2A, B2B, B2C, C2B
  • Settlement Time: Instant (typically <10 seconds)
  • Message Format: ISO 20022
  • Batch Upload: Supported (Excel, .XML, JSON)
  • Availability: 24/7/365
  • Finality: Irrevocable, Good Funds
  • Network Compatibility: RTP®, FedNow®

Core Attributes

  • Alias-enabled invoicing without exposing account info
  • Digital RfP requests via text, email, app, or API
  • Real-time push payment with no chargebacks
  • Batch support for high-volume billing
  • Rich metadata via ISO 20022 fields
  • Encrypted, fraud-resistant payment path

Top Business Benefits

  • Accelerate cash flow with instant payment collection
  • Eliminate payment delays and NSF failures
  • Lower operational costs and reduce collection friction
  • Automate recurring or one-time requests
  • Track request status and completion in real time
  • Enhance the customer experience with mobile-ready invoicing

Platform Features

  • Send RfP using alias instead of account numbers
  • Dynamic amount support for subscription or metered billing
  • Custom invoice metadata and payer references
  • Upload Excel, XML, or JSON payment files
  • API integration for ERPs and accounting platforms
  • Realtime notifications and settlement confirmations

FedNow enables instant payment transactions, the communication channels like SMS and email can introduce some delays. However, integrating FedNow's Request for Payment (RfP) feature in a way that minimizes these delays and streamlines the payment process can still offer significant improvements in efficiency. Here’s a more focused approach on leveraging FedNow for instant payments with minimal communication delays:

Integrating FedNow RfP for Instant Payments in QuickBooks Online

1. Real-Time Payment Requests via FedNow

  • API Integration: Utilize FedNow’s API to directly integrate instant payment requests into your QuickBooks Online workflow. This can bypass traditional communication methods and trigger real-time payment requests directly within the system.
  • Payment Links: Generate instant payment links that can be sent via secure, automated systems to ensure immediate delivery and prompt payer action.

2. Setting Up Instant Payment Requests in QuickBooks Online

  1. API Configuration:
    • Access Developer Resources: Obtain API keys and necessary credentials from your financial institution or FedNow directly.
    • Configure API Settings: In QuickBooks Online, navigate to the integrations section and configure the FedNow API to handle instant payment requests.
  1. Create Instant Payment Requests:
    • Invoice Generation: Generate an invoice as usual within QuickBooks Online.
    • Trigger FedNow RfP: Use the API integration to automatically create and send an RfP when the invoice is generated. This can include embedding a payment link within the invoice that redirects the payer to an instant payment portal.
  1. Automate Notifications:
    • Webhook Setup: Configure webhooks to handle real-time notifications from FedNow when a payment request is sent, received, and approved.
    • Instant Confirmation: Upon payer action, the webhook updates QuickBooks Online in real-time, marking invoices as paid and reconciling payments immediately.

3. Ensuring Real-Time Communication

  • Dedicated Payment Portal: Set up a dedicated payment portal linked with FedNow that payers can access instantly upon receiving the payment request. This portal should support real-time actions and confirmations.
  • In-App Notifications: If your business has a customer-facing app, integrate FedNow’s RfP feature to send in-app notifications, reducing dependency on SMS and email.

4. Testing and Validation

  • Sandbox Environment: Use FedNow’s sandbox environment to test the entire payment request workflow, ensuring instant payment processing works as expected without delays.
  • Pilot Program: Roll out the feature to a select group of customers initially to gather feedback and make any necessary adjustments before a full-scale launch.

5. Streamlining the Payer Experience

  • Quick Access Links: Ensure that payment requests include quick access links that lead directly to the payment action screen, minimizing steps for the payer.
  • Clear Instructions: Provide clear and concise instructions within the payment request to guide payers through the process quickly.

Benefits

  • Speed: Immediate fund transfers enhance cash flow.
  • Efficiency: Streamlined processes reduce administrative overhead.
  • Customer Satisfaction: Quick and easy payment options improve customer experience.

By leveraging API integrations and automated real-time communication methods, you can minimize delays associated with traditional communication channels and fully utilize FedNow’s instant payment capabilities within QuickBooks Online.

Stop chasing payments and start collecting with certainty. With TodayPayments.com, you can:

✅ Send secure digital invoices using email, mobile, or token alias
✅ Receive Good Funds instantly with no chargebacks
✅ Automate invoicing using batch uploads in Excel, XML, or JSON
✅ Comply with ISO 20022 messaging standards
✅ Streamline reconciliation and reporting
✅ Delight customers with a mobile-friendly payment experience

Visit https://www.TodayPayments.com today to activate Instant Request Payment using Alias Routing—and get paid faster, smarter, and more securely.

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
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.
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

Text Mobile Request for Payment Call us, the .csv and or .xml FedNow or 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 Solutions

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 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 .csv or .xml data for completed ISO 20022 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. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods 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% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Instant Request Payment system.

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