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


RTP® Merchant Account Enrollment Across Any Bank or Credit Union

Use Alias-Based Real-Time Payments + ISO 20022 RfP Technology

Text Mobile Request for Real-Time Payment

The future of payments is here—and it’s called RTP® (Real-Time Payments). For businesses ready to scale faster, get paid instantly, and streamline operations, enrolling in RTP® isn’t optional—it’s essential. But here’s the catch: most banks only offer single-entry points and outdated application processes. That’s why smart businesses choose TodayPayments.com, the fintech solution that empowers you to enroll RTP® merchant accounts with any or all U.S. banks and credit unions—100% online, 24/7.

Top RTP® Payment Benefits from TodayPayments.com

At TodayPayments.com, we make it easy for your business to enroll into RTP® merchant accounts across all financial institutions, supporting MIDs (Merchant Identification Numbers) across your divisions and subsidiaries—no matter how many banks you work with.

Whether you're a Sole Proprietor, Partnership, LLC, or Corporation, our system is built to:

  • Provide real-time A2A payment processing with instant confirmation
  • Handle alias-based merchant enrollment using your company cell phones and emails
  • Simplify invoicing across POS, MOTO, Retail, Wholesale, Mobile, SMS, and Email billing channels
  • Deliver a consolidated dashboard across multiple MIDs and banking relationships

With zero paperwork and no physical bank visits required, you can go live from your desktop or mobile—in minutes.

Our cutting-edge Request-for-Payment (RfP) engine is built around ISO 20022 standards, giving you dynamic tools to engage your customers and get paid faster.

Here’s how it works:

  • Use your company cell phone number as a secure alias
  • Link one or more email addresses to the same or different banks
  • Assign unique MIDs to each alias, with optional consolidation

Each RfP can:

  • Deliver a 140-character summary of the payment request
  • Include a hyperlink to a secure Hosted Payment Page
    → hosted on your own domain or at TodayPayments.com/HostedPaymentPage.html

With alias-based billing and ISO-compliant communication, your business enjoys speed, flexibility, and security like never before.

We’re not a bank—we’re your U.S.-based accounting fintech ally, built to help every type of merchant adopt RTP® successfully and at scale.

✅ SEO-Rich Key Features & Long-Tail Benefits:

  • Free RTP® and FedNow® processing applications—zero sign-up fees
  • Enroll with multiple banks and credit unions in all 50 U.S. states
  • QuickBooks® Online integration—sync payments with your accounting instantly
  • Instant B2B, B2C, C2B, A2A payments with real-time tracking
  • Support for over 100+ aliases (email or phone)—each with its own MID
  • POS, mobile, text, email, MOTO and web invoicing supported
  • Batch uploads/downloads + recurring billing for streamlined operations
  • Hosted Payment Page link embedded directly in RfP messages
  • Real-time reconciliation reporting for bookkeepers and CFOs
  • High-risk and bad credit merchant accounts welcome
  • Faster fund movement, payee-initiated payments, and instant settlement

With interoperability and guaranteed identity of both payer and payee, TodayPayments.com delivers full RTP® functionality and scalability from day one.

🚀 Enroll in the RTP® Network with TodayPayments.com Today

It’s time to unlock the power of real-time payments with RTP®—on your terms. TodayPayments.com empowers businesses of all types to enroll across all banks and credit unions, manage multiple aliases, and simplify billing through modern, digital-first merchant accounts.

✅ Instant enrollment with no bank visit required
✅ Custom hosted payment pages built into every RfP
✅ Alias-based security using cell phones and email addresses
✅ Real-time reporting your CFO will love
✅ Full support for FedNow®, RTP®, ACH, and Credit Card transactions

🔗 Ready to scale faster and get paid instantly?
Visit https://www.TodayPayments.com and enroll your RTP® merchant account today—from any bank or all banks, in every U.S. state.

Creation Request for Payment Bank File

Enhance Your %URL% 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