RTP® Real-Time Payments with Irrevocable Certainty Across A2A, B2B, B2C, C2B
To enable businesses and consumers to send and receive real-time RTP® payments with absolute finality, security, and speed—supported by QuickBooks® automation, ISO 20022 RfP standards, and Elavon’s trusted payment gateway ecosystem.
At TodayPayments.com, we deliver next-generation RTP® payment solutions built on trust, speed, and irrevocable certainty. Our platform empowers merchants to move money instantly across all transaction types—A2A, B2B, B2C, and C2B—with real-time reconciliation, zero chargebacks, and multi-channel flexibility via QuickBooks® and Elavon.
Eliminate Risk with Irrevocable RTP® Final Payments
To enable businesses and consumers to send and receive real-time RTP® payments with absolute finality, security, and speed—supported by QuickBooks® automation, ISO 20022 RfP standards, and Elavon’s trusted payment gateway ecosystem.
At TodayPayments.com, we deliver next-generation RTP® payment solutions built on trust, speed, and irrevocable certainty. Our platform empowers merchants to move money instantly across all transaction types—A2A, B2B, B2C, and C2B—with real-time reconciliation, zero chargebacks, and multi-channel flexibility via QuickBooks® and Elavon.
Integrated QuickBooks® QBO for Real-Time Receivables Management
When RTP® is paired with QuickBooks® Online (QBO), businesses gain automated receivables tracking and bank reconciliation. Transactions sync in real-time, ensuring your ledger stays accurate without manual intervention.
- Ask us How:
“Our RTP® system integrates with QuickBooks® QBO to provide automated receivables and ledger updates, ensuring that every real-time payment is captured, categorized, and reconciled as soon as it hits your account.”
Omnichannel Payment Processing via Elavon Gateway
✅ In-Person RTP® Payments via Elavon
Elavon supports face-to-face RTP® initiation at smart terminals, letting businesses trigger real-time payments at the point of sale.
- Ask us How:
“Elavon’s in-store gateway solutions allow merchants to accept RTP® payments at physical locations, ensuring instant settlement and no chargebacks through contactless and chip-based terminals.”
✅ Online RTP® Payments with RfP Support
Send Request-for-Payment (RfP) RTP® invoices with secure, ISO 20022-formatted data through Elavon’s hosted checkout and ecommerce platform integrations.
- Ask us How:
“Elavon’s online gateway supports ISO 20022 RfP messages for RTP®, enabling ecommerce businesses to send structured payment requests and receive final, real-time payments instantly.”
✅ Mobile RTP® Payments on the Go
Accept or initiate RTP® transactions using mobile devices with Elavon’s secure mobile gateway apps, ideal for field technicians, consultants, and remote sales.
- Ask us How:
“Elavon mobile gateways enable real-time RTP® collection from smartphones and tablets, giving mobile professionals the ability to accept irrevocable payments anytime, anywhere.”
RTP® PARAMETERS, ATTRIBUTES, BENEFITS & FEATURES
|
Category |
Details |
|
Transaction Types |
A2A, B2B, B2C, C2B |
|
Settlement Time |
Instant (under 10 seconds) |
|
Payment Finality |
Irrevocable – No chargebacks |
|
Compliance |
ISO 20022, PCI-DSS |
|
RfP Support |
Yes – Request for Payment |
|
QuickBooks® Integration |
Real-time sync with QBO |
|
Elavon Gateway |
Online, in-store, mobile support |
|
Batch Processing |
Excel, XML, JSON uploads via API |
|
Security Features |
Tokenization, encryption, fraud monitoring |
|
Industries Supported |
High-risk, healthcare, ecommerce, utilities, B2B SaaS |
Ask us How:
1. Secure Real-Time Settlement with
RTP® Finality
“Real-Time Payments RTP® provides
guaranteed finality for all transactions, ensuring
businesses never face payment reversals or disputes. With
under-10-second settlement, RTP® is ideal for time-sensitive
and high-value transactions across A2A, B2B, and C2B
models.”
2. Recurring Payments with ISO 20022
RfP Messaging
“Using structured ISO 20022 file
formats, RTP® enables automated recurring billing and
invoice-based payments. Businesses can upload Excel, XML, or
JSON batches to their financial institution and receive
instant funding across multiple transactions.”
3. Omnichannel Payments: Online,
In-Store, and Mobile
“Elavon’s gateway supports RTP®
across ecommerce platforms, POS terminals, and mobile
readers—enabling businesses to deliver real-time, secure,
and final payment experiences in any environment.”
No More Waiting. No More
Chargebacks. Just Final, Real-Time RTP® Payments.
At
TodayPayments.com, we believe businesses deserve
fast, reliable, and irreversible transactions. With
Real-Time Payments RTP®, we eliminate the uncertainty of
traditional payments—delivering instant settlement, good
funds, and zero chargebacks.
✅ Accept and send RTP®
across A2A, B2B, B2C, C2B
✅ Sync with
QuickBooks® QBO for automated tracking
✅
Use Elavon for in-person, online, and mobile gateways
✅ Initiate Request-for-Payment (RfP) invoices
✅ Upload ISO 20022 batch files for recurring
payments
🔗 Stop chasing
payments. Start receiving good funds—instantly.
👉 Visit
https://www.TodayPayments.com and activate your
RTP® Real-Time Payment Gateway with irrevocable
certainty today.
Creation Request for Payment Bank File
Enhance Your IrrevocablePayment 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 IrrevocablePayment payment processing pricing
