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Real-Time Faster Payments with FedNow® & RTP®: The Future of Instant Transactions
What are Real-Time Faster Payments?
Real-Time Faster Payments with FedNow® & RTP®: The Future of Instant Transactions
The Rise of Real-Time Faster Payments
In a world where digital transactions dominate, businesses and consumers need faster, more secure, and cost-effective payment solutions. Traditional payment methods—such as credit cards and ACH transfers—are slow, costly, and prone to reversals.
Enter Real-Time Faster Payments with FedNow® & RTP®, the revolutionary solution offering instant payment transactions with the certainty of good funds. By integrating Request for Payment (RfP) capabilities, businesses can streamline B2B, C2B, and B2C transactions, ensuring payments are settled within seconds, 24/7/365.
Whether you are a business owner, a freelancer, or a corporate enterprise, real-time payments will enhance your financial operations, reduce costs, and improve cash flow efficiency.
Itemized Benefits of Real-Time Faster Payments with FedNow® & RTP®
What Are Real-Time Faster Payments?
���� Instant Payment Transactions – No Delays, No Chargebacks
- Transactions settle in seconds, ensuring businesses and consumers have immediate access to funds.
- Unlike credit card payments, there are no chargebacks, reversals, or pending authorizations.
���� Certainty of Good Funds – No More Waiting for Payments
- FedNow® & RTP® ensure that funds are guaranteed before the transaction is completed.
- Eliminates fraud risks and insufficient funds issues commonly seen in check and ACH payments.
���� Request for Payment (RfP) for Seamless B2B, C2B, and B2C Payments
- Businesses can send a Request for Payment (RfP) to customers, enabling faster invoice payments.
- Consumers can authorize payments in real time, avoiding late fees and missed deadlines.
- Perfect for B2B supplier payments, C2B merchant transactions, and B2C payroll or refunds.
Ask us how:
- "How Real-Time Faster Payments with FedNow® & RTP® provide instant transactions with no chargebacks"
- "Why Request for Payment (RfP) makes B2B, C2B, and B2C transactions seamless"
- "Benefits of Real-Time Faster Payments over credit cards and ACH transfers"
- "How businesses can save money with FedNow® Faster Payments and eliminate credit card fees"
- "The advantages of ISO 20022 messaging for secure and compliant real-time payments"
Itemized Benefits of Real-Time Faster Payments with FedNow® & RTP®
1️⃣ Instant & Secure Transactions
✔ Payments clear within
seconds, even on weekends and holidays.
✔
ISO 20022 messaging ensures enhanced security and data
transparency.
2️⃣ Lower Transaction Costs & No Credit Card Fees
✔ No more 2-3% processing
fees like credit cards.
✔ No intermediary
banks or delays—direct payments reduce hidden costs.
3️⃣ Enhanced Cash Flow Management
✔ Businesses get instant
access to funds, improving working capital.
✔
No more waiting days for ACH transfers or credit card
settlements.
4️⃣ Request for Payment (RfP) for Effortless Invoicing & Billing
✔ Merchants can send a
real-time payment request, reducing collection delays.
✔ Consumers can approve payments instantly,
ensuring on-time billing.
5️⃣ No Chargebacks or Reversals
✔ Unlike credit cards, real-time
payments cannot be reversed, ensuring payment finality.
✔ Reduces fraud and disputes, giving businesses
greater financial security.
6️⃣ 24/7/365 Availability
✔ Payments are processed
instantly—anytime, anywhere.
✔ No reliance on
bank hours or business days.
7️⃣ B2B, C2B, & B2C Payment Flexibility
✔ B2B: Vendors and
suppliers receive payments instantly.
✔ C2B:
Customers can make purchases without credit card fees.
✔
B2C: Businesses can send payroll, refunds, and payouts
in real-time.
Sales-Driven Conclusion: Start Accepting Real-Time Faster Payments with TodayPayments!
Why stick with slow, expensive, and outdated payment methods when you can accept instant, secure transactions? With FedNow® & RTP® real-time payments, you get faster settlements, lower costs, and secure transactions with Request for Payment (RfP).
���� Start accepting FedNow
Faster Payments today!
Sign up with
TodayPayments to integrate real-time payments into your
business and get paid instantly!
Creation Request for Payment Bank File
Enhance Your FedNow Faster Payments 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.
... 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
