Biller's login - Hosted Payments Page
Real-Time Payments Gateway


Activate Real-Time Payments Instantly – Automate RfP and Send Funds

Accept Both RTP® & The FedNow® Service for Instant Processing

Text Mobile Request for Real-Time Payment

Activate Real-Time Payments Instantly – Automate Request for Payment and Send Funds

In today’s fast-paced business world, speed and security in payment processing are more important than ever. Traditional methods like credit cards, ACH transfers, and wire payments come with delays, high fees, and chargeback risks, making them inefficient for modern transactions.

With Real-Time Payments (RTP®), businesses can send and receive instant account-to-account (A2A) transactions using secure alias-based identifiers like cell phone numbers and email addresses, eliminating the need to share full banking details.

At TodayPayments.com, we make it easy to activate RTP® instantly and automate Request for Payment (RfP) invoicing and fund transfers. We also provide merchant accounts for both The FedNow® Service and RTP®, enabling businesses to enroll multiple bank accounts, consolidate transactions, and manage multiple Merchant Identification Numbers (MIDs) across different financial institutions—all without visiting a physical bank.

As a U.S.-based Accounting Fintech merchant processing company, we also integrate RTP® with QuickBooks® QBO, providing automated reconciliation, real-time cash flow tracking, and seamless financial management.

Support for Multiple Email Addresses & Cell Phone Numbers

Activate Real-Time Payments Instantly – Automate RfP and Fund Transfers with TodayPayments.com

Why Businesses Are Activating RTP® with TodayPayments.com

Traditional banking and payment processing are slow, expensive, and complex.

Activating RTP® through TodayPayments.com ensures:

✅ Instant payments and automated Request for Payment (RfP) processing.
✅ Alias-based transactions – Use cell phone numbers and email addresses instead of full banking details.
✅ Multiple MIDs for all aliases – Receive custom Merchant Identification Numbers (MIDs) for every alias to simplify operations.
✅ 24/7 online activation – Never visit a bank physically to set up RTP®.
✅ QuickBooks® QBO integration – Automate reconciliation and track transactions in real time.

Premier RTP® Merchant Services by TodayPayments.com

✅ Accept Both RTP® & The FedNow® Service for Instant Processing

  • We provide merchant accounts for both The FedNow® Service and RTP®.
  • Most banks don’t offer this—TodayPayments.com does!

✅ Enroll Multiple RTP® Accounts Across Banks & Credit Unions

  • Connect multiple financial institutions under one streamlined platform.
  • Ideal for businesses with multiple locations, divisions, and subsidiaries.

✅ Custom Hosted Payment Pages for RfP Invoicing

  • Generate custom payment pages linked to ISO 20022-compliant invoices.
  • Embed direct payment hyperlinks in invoices, emails, and text messages for seamless payments.

✅ Support for Multiple Email Addresses & Cell Phone Numbers

  • Assign unique MIDs for every alias (email or phone number).
  • Even businesses with over 100+ identifiers can enroll effortlessly.

✅ Nationwide RTP® Processing in All 50 States

  • Supports multiple banks and credit unions nationwide.
  • Ideal for businesses operating in multiple regions.

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✅ "FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

  • Treasurers and CFOs can manage transactions instantly using our reconciliation tools.
  • No additional costs—this is a free feature!

✅ Step-by-Step Guide for U.S. Merchants to Activate RTP®

1️⃣ Sign up online at TodayPayments.com—no bank visits required.
2️⃣ Register your cell phone number and email as aliases for RTP® transactions.
3️⃣ Enroll multiple bank accounts and consolidate transactions across different financial institutions.
4️⃣ Receive unique MIDs for each alias, allowing better payment tracking and organization.
5️⃣ Integrate RTP® with QuickBooks® QBO for automated financial reconciliation.
6️⃣ Start accepting instant RTP® payments via mobile, email, and SMS invoicing.

Key Benefits of Activating RTP® with TodayPayments.com

Lower Transaction Costs – Eliminate Credit Card Processing Fees

  • RTP® transactions are significantly cheaper than traditional payment methods.
  • No chargebacks, PCI compliance costs, or excessive processing fees.

Instant A2A Payments – Improve Cash Flow Efficiency

  • No more waiting for ACH batch processing or wire transfer approvals.
  • Funds settle in real-time, improving liquidity and financial stability.

No Physical Bank Visits – Fully Online Activation

  • Skip the hassle of in-person applications—activate RTP® online anytime.
  • Faster approvals compared to traditional banking setups.

Enhanced Security with Alias-Based Payments

  • Protect sensitive banking information—use phone numbers or email aliases instead.
  • Mitigate fraud risks and ensure secure financial transactions.

Multiple MIDs for Organized Business Operations

  • Assign unique MIDs by department, location, or subsidiary for better tracking.
  • Improve reporting accuracy and transaction transparency.

24/7/365 Payment Processing

  • Accept and send RTP® payments anytime, even on weekends & holidays.

Industries That Benefit Most from Activating RTP®

Retail & E-Commerce

  • Accept real-time payments for online and in-store purchases.
  • Enhance the customer experience with instant transactions.

B2B & Wholesale Payments

  • Streamline supplier and vendor payments without delays.
  • Eliminate wire transfer fees and ACH processing holds.

Subscription & Membership Services

  • Automate recurring billing cycles with no chargeback risks.
  • Ideal for SaaS platforms, fitness clubs, and membership-based services.

Freelancers & Gig Economy

  • Receive instant payments using only a phone number or email alias.
  • Eliminate waiting times for contractor payouts.

High-Risk Industries

  • No restrictions based on industry type or credit history.
  • Perfect for businesses typically declined by banks, including CBD, adult, and gaming sectors.

Activate RTP® Instantly with TodayPayments.com

Are you ready to offer instant, low-cost, and secure real-time payments? Activate RTP® with TodayPayments.com today and enjoy:

Real-time transactions using phone numbers or email aliases.
Multiple MIDs for better financial organization and flexibility.
100% online activation—no bank visits required.
Lower processing costs with no chargebacks or PCI fees.
Seamless integration with QuickBooks® QBO for automated reconciliation.

Sign up now with TodayPayments.com and start automating Request for Payment (RfP) and sending instant RTP® payments effortlessly!

Creation Request for Payment Bank File

Enhance Your Activate FedNow 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.

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.

Contact Us for Request For Payment payment processing