Track RTP® Request-for-Pay Aging with Real-Time Bank Reconciliation
To enable businesses of all sizes to reduce aging receivables and streamline collections using RTP® Request-for-Pay invoicing, ISO 20022-compliant messaging, and free real-time payment reconciliation tools.
TodayPayments.com is redefining modern invoicing through RTP® Request-for-Pay (RfP) Aging, real-time treasury automation, and ISO 20022-rich data structures. We provide merchants with a single platform to send, track, and reconcile payment requests instantly—no chargebacks, no settlement delays, and no manual follow-ups. Our system is trusted by finance teams across industries and integrates natively with QuickBooks®, SMS, and email billing environments.
How Request for Payments - Real-Time
Aging Receivables Are the Past—RTP®
Real-Time Reconciliation Is Now
Outstanding invoices and late payments drain
your time, slow your cash flow, and create uncertainty. With RTP®
Invoicing and Request for Pay (RfP™) Aging, your business can
track invoice status in real time, send structured payment
requests, and receive instant, irrevocable funds—directly
into your account.
Using ISO 20022-compliant data and full
integration with QuickBooks®, SMS, and email, our platform
also provides free real-time bank reconciliation, giving your
bookkeeper, accountant, or CFO full visibility into your
receivables lifecycle.
Whether you send one-time or recurring bills, RTP® makes it easier than ever to get paid faster, reduce AR aging, and automate collections with “Set It and Forget It” authorization from customers.
Fully Integrated with QuickBooks®, Email, and SMS for End-to-End AR Automation
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
RTP® Request-for-Pay (RfP) Parameters, Attributes, Benefits & Features
ISO 20022 Minimum Required Data Fields for RfP
|
Field |
Purpose |
|
MsgId |
Unique message identifier |
|
CreDtTm |
Timestamp for invoice creation |
|
ReqdExctnDt |
Payment execution/due date |
|
Dbtr |
Payer identity (consumer or business) |
|
DbtrAcct |
Alias (email/mobile) or account info |
|
Cdtr |
Merchant/payee (Creditor) |
|
CdtrAcct |
Payee’s receiving account or alias |
|
Amt |
Amount requested |
|
RltdRmtInf |
Invoice or reference ID |
|
Ustrd |
Free-form text (e.g., project, service name, notes) |
|
RgltryRptg |
Optional reporting and reconciliation tag |
Attributes
- ISO 20022-rich data messaging in XML, JSON, and Excel formats
- Alias-based invoicing using email, mobile, or QR instead of account numbers
- Compatible with RTP®, ACH, FedNow®, and BNPL billing rails
- Real-time payment status: pending, approved, declined, or expired
- Embedded in QuickBooks® Online and Desktop with automated sync
- Mobile, SMS, email, hosted payments page delivery options
- Recurring RfP and batching support for subscription models
- “Standing approval” autopay support (Set It and Forget It)
Benefits
- Track real-time invoice aging and payment status across RTP® network
- Free reconciliation dashboard—loved by CFOs, accountants, and controllers
- Receive funds instantly, 24/7/365—including weekends and holidays
- No chargebacks or delays—payments are irrevocably settled
- Reduce DSO and boost cash flow with structured RfP invoicing
- Autopay support for recurring payments using RTP® standing approvals
- Alias-based security—no need to request bank numbers from payers
- Mobile-first invoicing with SMS, email, or QR code triggers
- QuickBooks® sync to automate receivables, payment posting, and reports
Ask us How:
Businesses today need faster, smarter ways to collect payments. With RTP® Request for Pay (RfP™) and real-time ISO 20022 messaging, merchants can send structured payment requests and track outstanding invoices in real time. Combined with free reconciliation dashboards, this solution drastically improves AR visibility and reduces collections friction.
The system is perfect for companies using QuickBooks®, email, or SMS to invoice. Using alias identifiers like email or mobile, payers can instantly authorize payment requests without needing to share account and routing numbers.
For subscription services or monthly billing, merchants can implement “Set It and Forget It” autopay with RTP®. With a one-time standing approval, customers don’t need to authorize each transaction—making payment collection seamless and timely.
Batch uploads in .XML, .JSON, or Excel formats also allow AR departments to scale their invoicing and reconciliation without manual labor, with full compatibility across all U.S. banks and credit unions.
“Set It and Forget It” Autopay with RTP® Debit Transactions
RTP® Debit supports pre-authorized, recurring RfPs through standing instructions at the payer’s bank. Once approved, future payments are processed automatically, offering a hands-free billing experience for both sides:
- One-time approval from the customer triggers recurring payments
- No manual interaction required for each bill
- Ideal for utilities, insurance, subscriptions, SaaS, and tuition
- Guaranteed on-time payments with instant settlement finality
- No chargebacks, ever—irrevocably collected into payee accounts
This recurring model offers convenience for consumers (C2B) and reliability for merchants (B2B).
Track RfPs. Get Paid Instantly. Reconcile for Free.
Why keep aging invoices on your books? With RTP® Request-for-Pay from TodayPayments.com, you can:
- Send smart invoices via SMS, email, or QuickBooks®
- Enable recurring payments with RTP® autopay standing approvals
- Monitor invoice status in real-time with aging reports and due alerts
- Get paid instantly, 24/7, with irrevocable good funds
- Access your FREE real-time bank reconciliation portal
- Upload batches using ISO 20022 .XML, .JSON, or Excel formats
- Delight your CFO with structured, real-time, automated cash flow insights
👉 Visit TodayPayments.com to get started with RTP® Invoicing and Request for Pay Aging—and revolutionize how your business collects, tracks, and reconciles payments.
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
