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


Real-Time Payment Solutions with RTP® and FedNow®

What is Real-Time Payment Solutions

As the business world shifts toward speed, transparency, and digital-first transactions, Real-Time Payments (RTP®) Network and FedNow® Services are leading the financial transformation across the U.S. But traditional banks are slow to adapt—and even slower to approve high-risk or multi-account merchants.

At TodayPayments.com, we make it easy to activate real-time payments across multiple banks, aliases, and payment methods. Whether you’re a startup, high-risk business, or enterprise with 100+ merchant locations, we provide instant enrollment and consolidated access to the FedNow® Service, RTP® network, ACH, and credit card processing—all from one powerful dashboard.

Instant Enrollment for All Business Types — No Bank Visit Required

TodayPayments.com eliminates the red tape of traditional banks. You don’t need to walk into a branch or provide sensitive financial documents. We support:

  • Sole Proprietors
  • 1040 Schedule C Filers
  • Partnerships
  • LLCs
  • S-Corps & C-Corps
  • High-Risk or Credit-Challenged Businesses

Apply online 24/7 with no setup fees and instant approval for FedNow® and RTP® merchant accounts across all 50 U.S. states.

Comprehensive Features for a Real-Time Economy

~ Free Applications for RTP® and FedNow® — no hidden costs
~ Alias-Based MIDs — use your phone number or email for secure payments
~ Multiple Merchant IDs — we support 100+ aliases across accounts
~ Instant Bill Pay & A2A Transfers — B2B, C2B, B2C, A2A payments, on-demand
~ Hosted Payment Pages — built-in to every RfP via ISO 20022
~ POS, Web, Email, Text, Mobile Invoicing — full omni-channel support
~ QuickBooks® QBO Integration — auto-sync payments to your books
~ Batch Uploads/Downloads — scalable for CFOs and bookkeepers
~ Real-Time Reporting & Reconciliation — treasury management made simple
~ Multi-Bank Enrollment — consolidate all U.S. bank accounts into one hub
~ Recurring Payments Support — set up automatic debit/credit cycles
~ High-Risk Friendly — credit card, ACH, and instant payments for industries banks won’t touch

 

For businesses seeking Real-Time Payment (RTP) solutions using The Clearing House (TCH) for both B2B and C2B transactions, here are some prominent providers:

Real-Time Payment Solutions using RTP via TCH:

  1. SecureQBPlugin.com:
    • Integration: Compatible with QuickBooks Enterprise and QuickBooks Online.
    • Services: Supports RTP for instant payments, Last-Minute Payments, Masked Payments, On-Delivery Payments, and Recurring Payments.
    • Benefits: Real-time transaction processing and seamless integration with QuickBooks, ensuring efficient and accurate financial management.
  2. TodayPayments.com:
    • Integration: Works with QuickBooks Enterprise and other accounting systems.
    • Services: Facilitates RTP payments, enabling real-time ACH transactions, instant payments, and digital invoicing.
    • Benefits: Provides certainty in payments, real-time billing, and efficient handling of both one-time and recurring payments.
  3. Real-TimePayments.com:
    • Integration: Compatible with QuickBooks and major ERP systems.
    • Services: Offers RTP services, real-time bill pay, and real-time cash back features.
    • Benefits: Ensures real-time collections, real-time credit payments, and variable recurring payments (VRP) with automatic synchronization to accounting systems.
  4. FedNowInstantPayments.com:
    • Integration: Integrates with QuickBooks Enterprise and other major accounting platforms.
    • Services: Supports RTP for real-time payments, deposits, and digital payment requests.
    • Benefits: Provides JIT inventory management, on-demand payments, and real-time discounts with seamless integration into accounting systems.

Key Features and Benefits:

  • Instant Payments: Real-time processing ensures immediate fund availability, improving cash flow and financial efficiency.
  • Security: Robust security measures protect sensitive financial information during transactions.
  • Integration: Seamless integration with QuickBooks and other accounting software ensures that transactions are automatically recorded and reconciled, reducing manual errors.
  • Flexibility: Supports a variety of payment methods, including POS, MOTO, E-commerce, one-time, and recurring payments.
  • Cost Savings: Lower transaction costs and the potential for real-time discounts for customers.
  • Enhanced Customer Experience: Faster and more reliable payment options improve customer satisfaction and loyalty.

Steps to Implement RTP using TCH:

  1. Select a Provider: Choose a solution provider like SecureQBPlugin.com, TodayPayments.com, or Real-TimePayments.com that supports RTP via TCH.
  2. Integration Setup: Integrate the chosen solution with your QuickBooks or other accounting systems to enable real-time payments.
  3. Configure Payment Options: Set up various payment methods and configurations, such as one-time, recurring, on-delivery, and masked payments.
  4. Security Measures: Ensure that all necessary security protocols are in place to protect financial data during transactions.
  5. Training and Support: Provide training to your accounting and finance teams on using the new real-time payment system efficiently.
By leveraging these real-time payment solutions, businesses can enhance their financial operations, improve cash flow management, and provide a superior payment experience to their customers

At TodayPayments.com, we don’t just process payments—we process freedom.
From high-speed FedNow® transfers to RTP® batch settlements, we help U.S. businesses unlock same-day liquidity and eliminate payment delays.

✅ Sign up today and access:

  • Real-Time Payment Rails
  • Instant Settlement Across All Banks
  • FedNow®, RTP®, ACH & Credit Cards — All-in-One
  • Free Applications. No Credit Checks. 100% Online.

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment Money Transfer: Current limit of $10,000,000 - RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
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.
Software Integration: Integrate your A/R & A/P 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

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 files 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 Real-Time Payment Solutions 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 Real-time Payments processing