Real-Time Payments RTP® to Receive and Pay B2B, B2C, C2B Transactions
TodayPayments.com empowers merchants, enterprises, and financial institutions with real-time RTP® payment tools that provide fast, secure, and transparent fund transfers across all transaction types—B2B, B2C, and C2B.
TodayPayments.com leads the future of real-time commerce. With our robust RTP® infrastructure, we enable businesses to accept and send payments instantly, securely, and with full compliance—eliminating the delays of ACH and inefficiencies of traditional banking. Our RTP® tools combine speed, visibility, and intelligence for modern merchants and institutions.
Modernize Your Cash Flow with Real-Time RTP® Transactions
In the digital-first economy, every second counts. That’s why Real-Time Payments RTP® has become the gold standard for instant financial settlement. Whether you’re issuing a vendor disbursement, collecting a customer payment, or supporting consumer-to-business (C2B) transactions, RTP® delivers speed, security, and settlement certainty—24/7/365.
With seamless support for B2B, B2C, and C2B payment flows, RTP® ensures that funds are received in real time with irrevocable confirmation. Businesses gain cash flow visibility, consumers benefit from instant results, and banks or platforms can eliminate batch processing delays. Paired with ISO 20022 messaging, file uploads (Excel, XML, JSON), and Request for Payment (RfP) functionality, RTP® from TodayPayments.com offers the most complete, secure, and scalable real-time payments infrastructure on the market.
Itemized RTP® Parameters, Attributes, Benefits and Features
1. 24/7/365 Real-Time Settlement
- RTP® provides instant, final settlement with no cutoff times or delays.
- Send or receive funds any time—nights, weekends, holidays.
- Supports time-sensitive payouts, refunds, and disbursements.
2. B2B, B2C, and C2B Compatibility
- B2B: Pay vendors, contractors, and suppliers in real time.
- B2C: Issue instant payroll, tips, refunds, or rebates.
- C2B: Accept payments from consumers via mobile apps, portals, or invoices.
3. ISO 20022-Rich Data Messaging
- Include structured remittance data: invoice ID, client info, and payment purpose.
- Enables automated reconciliation and ERP integration.
- Enhances auditability and compliance for every transaction.
4. File Upload and API Compatibility
- Process transactions via:
- Excel (.xls, .csv)
- XML
- JSON
- API-ready for platforms, SaaS providers, fintechs, and accounting systems.
5. Request for Payment (RfP) Enablement
- Send clickable invoice links through SMS, email, or apps.
- Customers complete payments via secure RTP® channel.
- Great for B2B service billing, recurring invoices, and consumer collections.
6. “Good Funds” Irrevocability
- All RTP® transfers are final and cannot be reversed.
- No risk of chargebacks or insufficient funds.
- Empowers instant trust for financial operations and settlements.
Ask us How:
- “Real-Time Payments RTP® to Receive and Pay B2B, B2C, C2B combines the speed of RTP® with the reliability of secure ISO 20022 messaging to deliver real-time fund transfers and immediate settlement across business-to-business, business-to-consumer, and consumer-to-business transaction types.”
- “Businesses use RTP® to instantly send or receive funds for invoices, subscriptions, refunds, and payroll with 24/7 settlement and full payment traceability.”
- “Use Request for Payment (RfP) via RTP® to let customers click to pay instantly from mobile or desktop with no batch delays.”
- “Upload RTP® transactions via Excel, XML, or JSON files to automate B2B, B2C, and C2B disbursements and receivables with zero wait time.”
- “Integrate RTP® into your platform to ensure fast, final, and auditable payments between businesses and consumers using modern file standards and ISO 20022.”
Your business deserves real-time
revenue—and your clients deserve real-time results.
With RTP® from TodayPayments.com, you can send and
receive instant payments across B2B, B2C, and C2B channels
with full security, compliance, and transparency.
✅ Get paid in seconds—not
days
✅ Automate reconciliation with ISO
20022 data
✅ Eliminate chargebacks, delays,
and nightly batches
✅ Enable customers to
pay via SMS, email, or hosted portals
✅ Stay
connected with real-time cash flow across any industry
Upgrade your payments today.
Visit
https://www.TodayPayments.com to activate your RTP®
real-time payment system and experience business without
borders, batch delays, or billing lag.
Creation Request for Payment Bank File
Enhance Your Receive and Pay FedNow® B2B, B2C, C2B Instant ACH Payment 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 "Your Website" - Hosted Payments Page 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.
... easily create Instant 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 Receive and Pay FedNow® B2B, B2C, C2B Instant ACH payment processing pricing
