Track FedNow® Invoicing and Request-for-Pay Aging in Real-Time
To empower U.S. merchants with FedNow® Invoicing and ISO 20022 Request-for-Pay tools to reduce AR aging, automate billing, and enable secure, instant settlements across all payment environments.
TodayPayments.com simplifies the way businesses collect payments with real-time FedNow® Request-for-Pay (RfP™) invoicing. Our platform delivers trackable digital invoices through SMS, email, or QuickBooks®, enabling 24/7 instant payments without delays, chargebacks, or manual processing. Merchants gain total control of AR aging, while customers enjoy convenient “set-it-and-forget-it” recurring autopay.
Automate Reminders, Monitor Invoice Statuses, and Collect Instant Payments Using ISO 20022
End the Wait — Automate Invoice Tracking and
Get Paid in Real-Time
Invoicing shouldn't be a guessing game. If your
business still waits days—or weeks—for payments, you’re missing out
on the power of real-time settlement. With FedNow®
Invoicing and Request for Pay (RfP™), you can track
outstanding invoices, automate follow-ups, and receive
instant good funds across all U.S. financial institutions.
Delivered via email, SMS, mobile app, or
QuickBooks®, FedNow® RfP invoices eliminate the risk of
chargebacks and bring full visibility to your aging receivables.
Combined with ISO 20022 message formatting, these tools are
revolutionizing AR management for merchants of all sizes.
ISO 20022 Request for Payments - Real-Time
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
“Set It and Forget It” Recurring Billing with FedNow®
FedNow® RfP™ recurring payments enable customers to pre-authorize future invoices. This standing approval, often called autopay, allows payments to be made without requiring customer re-authorization for each bill. It simplifies the payer experience and ensures merchants get paid on time—every time.
- C2B and B2B subscriptions supported
- One-time approval = future recurring success
- Works for utilities, SaaS, loan payments, memberships, and more
Request for Payments (RfP™) Parameters, Attributes, Benefits, and Features
ISO 20022 Core Data Fields (Required for Valid RfP™ Submission)
|
Field |
Purpose |
|
MsgId |
Unique request identifier |
|
CreDtTm |
Timestamp of invoice creation |
|
ReqdExctnDt |
Due date or execution date |
|
Dbtr |
Debtor (payer) identity |
|
DbtrAcct |
Alias (email, phone) or account info |
|
Cdtr |
Merchant/payee name and ID |
|
CdtrAcct |
Destination account or alias for receiving funds |
|
Amt |
Payment amount |
|
RltdRmtInf |
Invoice number or billing reference |
|
Ustrd |
Optional free-text notes |
|
RgltryRptg |
Regulatory or reconciliation data (optional) |
Key Attributes
- Native ISO 20022 XML/JSON and Excel-compatible formats
- Alias-based A2A invoicing (email, mobile, QR code – no routing numbers needed)
- Mobile, email, SMS, and QuickBooks® integration
- Hosted payment page as final destination for customer-initiated payment
- Fully compatible with ACH, BNPL, FedNow®, RTP®, and financing rails
- Works for recurring, variable, and one-time payments (C2B, B2B)
- Enables real-time fund delivery with instant settlement
- Smart automation for reminder, aging analysis, and AR dashboards
Benefits
- Track outstanding invoices with full FedNow® RfP™ visibility
- Automate reminders and reduce manual follow-up
- Accelerate collections with real-time payments 24/7
- Receive good funds instantly with zero chargebacks
- Enable recurring FedNow® payments with "set it and forget it" autopay
- Use aliases instead of routing/account numbers for security and ease
- Deliver invoices via SMS, email, QuickBooks®, or QR
- Free bank reconciliation tools built for accountants and CFOs
- Batch upload support via ISO 20022 (.XML, .JSON, Excel)
Ask us How:
FedNow® Invoicing with Request for Pay (RfP™) gives businesses the tools they need to monitor real-time invoice status, track AR aging, and collect secure A2A payments across the U.S. banking network. Using ISO 20022 message formats, merchants can initiate structured payment requests and receive irrevocable good funds instantly, 24/7, including weekends and holidays.
Ideal for businesses using QuickBooks® Desktop or Online, FedNow® RfP™ allows invoices to be sent via mobile phone, email, text, or hosted checkout page—all tracked in real-time. Customers authorize payments from their banking app with a single click, while merchants receive settlement notifications instantly.
The system supports alias-based identifiers, eliminating the need for sensitive banking details. With recurring payment models supported, “set-it-and-forget-it” billing ensures merchants get paid on time, while customers enjoy autopay convenience.
Batch uploads in ISO 20022 format (.XML, .JSON, Excel) allow merchants to send hundreds of payment requests at once to banks and credit unions—ensuring accurate, fast, and reliable funding via FedNow® or RTP®.
Track AR, Get Paid Instantly, and Automate Everything — Free
Why wait days or chase down late payments? With FedNow® Invoicing + RfP™ from TodayPayments.com, you can:
- Deliver invoices by SMS, email, QuickBooks®, or QR code
- Track RfP aging, automate reminders, and improve AR visibility
- Enable recurring payments with autopay standing approval
- Receive good funds instantly—24/7/365
- Reconcile transactions with our FREE real-time reconciliation tools
- Batch upload .XML, .JSON, or Excel files for recurring or bulk billing
Get paid faster. Cut aging. Automate
your entire AR process.
👉 Visit
TodayPayments.com to activate real-time FedNow® Invoicing with
Request-for-Pay today.
Creation Request for Payment Bank File
Enhance Your RequestForPayAging.com 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 "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 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
