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FedNow Request Payment

TodayPayments.com is the go-to U.S. fintech platform for automating FedNow® and RTP® Request for Payment transactions using ISO 20022-rich data, alias identifiers, and real-time processing.


We give merchants, vendors, and billing platforms the power to manage recurring or variable billing cycles with total speed, security, and interoperability — across A2A, B2B, and C2B transaction models. From batch uploads to mobile-friendly invoicing, we help you request and receive funds in seconds — with guaranteed identity confirmation and instant settlement.

 

FedNow® Request for Payment for Recurring, One-Time, or Variable Instant Transactions

FedNow Request Payment FedNow Request Payment The modern payments landscape is changing — fast. With FedNow® Request for Payment (RfP) and RTP® interoperability (processing between The FedNow® System and RTP® network), U.S. businesses can now send and receive real-time payments using digital aliases, identity-confirmed transfers, and ISO 20022 messaging standards. Whether your use case is B2B, C2B, or direct A2A (Account-to-Account), payment requests can now be automated, batched, and settled instantly.

At TodayPayments.com, we provide everything you need to enable real-time RfP-based payments across every U.S. credit union and financial institution — using rich messaging, alias invoicing, and confirmation tools to guarantee fast, secure funding.

With FedNow® RfP, businesses can request payments from customers or vendors in real-time — and receive funds in seconds. From static recurring payments like subscriptions to variable usage-based billing, every transaction is identity-verified and ISO 20022-compliant.

Highlights:

  • Real-time A2A payments for both B2B and C2B scenarios
  • Fully supported recurring, one-time, or batch payment requests
  • Leverage aliases like email or mobile numbers for both payers and payees
  • Trigger secure, real-time push or pull payments via FedNow® or RTP®
  • Identity validation through Confirmation of Payee for added trust and fraud reduction

FedNow® Request for Payment replaces outdated ACH cycles with speed, clarity, and certainty, "Good Funds".

Batch File Uploads and ISO 20022 Messaging for All Credit Unions and Banks

TodayPayments.com supports file-based payment request uploads using standard formats including .Excel, .XML, and JSON, allowing organizations to send real-time RfPs to any credit union or bank with precision and compliance.

Supported Features:

  • Upload recurring or one-time RfPs in standard file formats
  • Use ISO 20022 rich data messaging for compliance and clarity
  • Schedule batch transactions across thousands of accounts instantly
  • Interoperable with both FedNow® and RTP® networks
  • Send via mobile, email, text, or hosted digital links
  • Real-time funding confirmation and reconciliation

Say goodbye to payment delays — and hello to real-time certainty across every file and channel.

Aliases + Confirmation of Payee = Secure Real-Time Payments at Scale

Aliases simplify identity while Confirmation of Payee ensures authenticity. With TodayPayments.com, every payment request can be validated, tracked, and securely processed using email addresses or phone numbers — instead of full account numbers.

Why Businesses Love This:

  • ✅ Alias-based identity (email, phone) for both payer and payee
  • ✅ Push or Pull instant payments via FedNow® or RTP®
  • ✅ Cross-network interoperability
  • ✅ Real-time invoice delivery via SMS, mobile, or email
  • ✅ Auto-match with payment metadata for faster reconciliation
  • ✅ No bank visits needed — enroll & process 100% online
  • ✅ Compatible with QuickBooks® QBO for real-time ledger sync
 

FedNow Request Payment is a feature that allows businesses or individuals to request payments from others using the FedNow instant payment service. Here's how the process might work:

  1. Initiating the Request: The business or individual sends a payment request to the payer through the FedNow network. This request typically includes details such as the amount to be paid, the due date, and any relevant invoice or reference numbers.
  2. Notification to Payer: The payer receives a notification of the payment request, which may be sent via email, text message, or through their banking app. The notification contains information about the payment request and instructions on how to fulfill it.
  3. Payer Authorization: The payer reviews the payment request and authorizes the payment through their banking app or online banking portal. They may also have the option to decline or dispute the request if necessary.
  4. Funds Transfer: Once authorized, the payer's bank initiates an instant funds transfer through the FedNow network. The requested amount is debited from the payer's account and credited to the payee's account in real-time.
  5. Confirmation: Both the payer and the payee receive instant confirmation of the transaction once it's processed. This confirmation provides assurance that the payment has been successfully initiated and settled.
  6. Recordkeeping: The payment request and transaction details are recorded and stored by both parties for reconciliation and accounting purposes. This ensures accurate financial records and facilitates easy tracking of payments.

Overall, FedNow Request Payment streamlines the process of requesting and receiving payments, offering convenience, speed, and security for both payers and payees. It enables instant funds transfer, real-time confirmation, and seamless integration with existing banking systems, making it an efficient solution for invoicing and payment collection.

Request. Confirm. Get Paid — Instantly.

Why wait days for settlement?
With TodayPayments.com, you can request payments in real time, confirm payer identity, and get instant crediting across all U.S. banks and credit unions.

Whether you need:

  • 🔁 Recurring billing
  • 💼 B2B contract payments
  • 👥 C2B customer subscriptions
  • 📂 Batch uploads and file automation
  • 🔐 Identity-confirmed alias billing
  • 📲 Mobile + SMS invoicing with ISO 20022 messaging

✅ It’s all available — and it’s all instant — with TodayPayments.com.

👉 Start requesting and settling FedNow® payments today — where speed meets certainty and payments never wait.

 

Creation Recurring Request for Payment

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-TimePayments.com to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. 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", either FedNow or RTP, will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. Request for Recurring Payment

ACH and both Instant and Real-Time Payments Request for Payment ISO 20022 XML Message Versions
The versions that NACHA recommends for the Request for Payment message and the Response to the Request are pain.013 and pain.014 respectively. Version 5 for the RfP messages, which The Clearing House Real-Time Payments system has implemented, may also be utilized as there is no material difference in the schemas. Predictability, that the U.S. Federal Reserve, via the FedNow ® Instant Payments, will also use Request for Payment. The ACH, RTP ® and FedNow ® versions are Credit Push Payments.


Payees ensure the finality of Instant Real-Time Payments (IRTP) and FedNow using recurring Requests for Payments (RfP), Payees can implement certain measures:

1.     Confirmation Mechanism: Implement a confirmation mechanism to ensure that each payment request is acknowledged and confirmed by the payer before the payment is initiated. This can include requiring the payer to provide explicit consent or authorization for each recurring payment.

2.     Transaction Monitoring: Continuously monitor the status of recurring payment requests and transactions in real-time to detect any anomalies or discrepancies. Promptly investigate and resolve any issues that arise to ensure the integrity and finality of payments.

3.     Authentication and Authorization: Implement strong authentication and authorization measures to verify the identity of the payer and ensure that only authorized payments are processed. This can include multi-factor authentication, biometric verification, or secure tokenization techniques.

4.     Payment Reconciliation: Regularly reconcile payment transactions to ensure that all authorized payments have been successfully processed and finalized. This involves comparing transaction records with payment requests to identify any discrepancies or unauthorized transactions.

5.     Secure Communication Channels: Utilize secure communication channels, such as encrypted messaging protocols or secure APIs, to transmit payment requests and transaction data between the payee and the payer. This helps prevent unauthorized access or interception of sensitive payment information.

6.     Compliance with Regulatory Standards: Ensure compliance with relevant regulatory standards and guidelines governing instant payments and recurring payment transactions. This includes adhering to data security requirements, fraud prevention measures, and consumer protection regulations.

By implementing these measures, Payees can enhance the finality and security of Instant Real-Time Payments using recurring Requests for Payments, thereby minimizing the risk of payment disputes, fraud, or unauthorized transactions.

 
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

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