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


Real-Time Transactions

What is Real-Time Transactions

Real-Time Payments is an exciting new service brought about by the Faster Payments Initiative of the FedNow ™ US Federal Reserve providing payments that are instant, final and secure. FedNow, Real-Time Transactions 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.

Using TodayPayments.com for real-time transactions offers a seamless integration for various payment channels such as POS, Ecommerce, MOTO, and RFP digital invoicing. Here’s how you can utilize these features:

1. POS (Point of Sale) Transactions:

  • Integration: Connect your POS system with TodayPayments.com to enable real-time payment processing.
  • Process: Customers can make payments instantly through various methods like credit/debit cards or digital wallets.
  • Benefits: Faster transaction times, reduced risk of declined transactions, and immediate fund availability.

2. Ecommerce Transactions:

  • Integration: Embed TodayPayments.com payment gateway on your online store.
  • Process: Customers can pay in real-time while purchasing products or services online.
  • Benefits: Enhanced customer experience with instant payment confirmation and reduced cart abandonment rates.

3. MOTO (Mail Order/Telephone Order) Transactions:

  • Integration: Use TodayPayments.com’s virtual terminal to process payments received via mail or phone orders.
  • Process: Enter payment details manually for real-time processing.
  • Benefits: Secure and efficient handling of remote transactions with instant payment processing.

4. RFP (Request for Payment) Digital Invoicing:

  • Integration: Utilize TodayPayments.com’s invoicing tools to send digital invoices.
  • Process: Send an RFP to customers, allowing them to pay instantly via the provided link.
  • Benefits: Streamlined billing process, quicker payments, and improved cash flow management.

Implementation Steps:

  1. Sign Up: Register for a merchant account on TodayPayments.com.
  2. Integration Setup:
    • POS: Configure your POS system to integrate with TodayPayments.com.
    • Ecommerce: Install and configure the TodayPayments.com plugin or API on your online store platform.
    • MOTO: Set up the virtual terminal for processing phone/mail orders.
    • RFP: Use TodayPayments.com’s invoicing feature to create and send digital invoices.
  3. Testing: Conduct test transactions to ensure everything is working correctly.
  4. Go Live: Once testing is successful, start accepting real-time payments through all integrated channels.

Benefits Overview:

  • Instant Transactions: Real-time payment processing for immediate fund availability.
  • Customer Convenience: Multiple payment options enhance customer satisfaction.
  • Efficiency: Streamlined processes reduce administrative workload and improve cash flow.
  • Security: Enhanced security features protect against fraud and ensure compliance with payment regulations.

By leveraging TodayPayments.com for these real-time transactions, you can provide a seamless and efficient payment experience for your customers, enhancing satisfaction and improving your business’s operational efficiency.

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 $500,000.
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 Transactions 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