Instant Payments Enrollment Using The RTP® Service
Key Features of RTP® Enrollment with TodayPayments.com
Why Real-Time Payments with RTP® Are the Smart Choice for Modern Businesses
Instant is no longer optional. Businesses that still rely on traditional payment rails like wire transfers or standard ACH are missing out on the speed, efficiency, and cash flow control offered by The RTP® Service.
Whether you’re sending supplier payments, collecting customer invoices, or managing multiple bank accounts across different states, real-time payments provide the agility your business needs to stay competitive. At TodayPayments.com, we make instant RTP® merchant account enrollment simple, secure, and available 24/7—no in-person bank visits required.
Why Merchants Prefer TodayPayments.com for Real-Time Payments
With TodayPayments.com, businesses of all sizes and industries can enroll in The RTP® Service and start processing payments in seconds. Our platform supports RTP®, FedNow®, ACH, and card payments, all from one easy-to-use interface.
What You Get:
- ✅ Instant online enrollment—no bank visit required
- ✅ Zero sign-up fees
- ✅ Alias-based security using cell phones or email addresses
- ✅ Merchant IDs (MIDs) for each alias or account
- ✅ Hosted Payment Page integration for RfP messages
- ✅ Multi-bank support in all 50 states
- ✅ QuickBooks® Online sync for real-time reconciliation
- ✅ High-risk merchant accounts welcome
We also support all payment methods: POS, MOTO, email/text invoices, mobile, and web portals.
Key Features and Benefits of RTP® Enrollment with TodayPayments.com
Alias-Based Enrollment & Multi-MID Management
Use your business cell phone number or email as your secure transaction alias—no need to share complete bank data. Each alias gets a unique MID, with the ability to manage 100+ aliases across multiple banks or divisions.
Real-Time Business Tools for Every Department
- CFO-Approved Reporting: Real-time dashboards and bank reconciliation
- Batch Uploads/Downloads: Manage high-volume transactions easily
- Recurring Billing: Perfect for subscription or invoice-based models
- Payee-Initiated Payments: Enable vendors or clients to start the transaction
Nationwide Banking Support
Enroll in The RTP® Service with multiple banks or credit unions across all 50 states, giving you full operational coverage no matter where your accounts are based.
We’re not just a payment processor—we’re an accounting fintech partner who understands what U.S. businesses really need.
✅ What Sets Us Apart:
- Free RTP® and FedNow® Applications – Zero setup fees
- QuickBooks® Integration – Sync real-time payments with your accounting
- POS, Email, Mobile, Web, and SMS Invoicing – All channels supported
- Hosted RfP Pages – Built-in ISO 20022 compatibility
- High-Risk Approval – We welcome merchants with poor credit or legally high-risk categories
- Real-Time Treasury Tools – Loved by bookkeepers, CPAs, and CFOs
- Multi-MID, Multi-Bank Flexibility – Consolidate or expand with ease
- Instant Identity Confirmation – Know your payers and payees in real time
- A2A, B2B, C2B, and B2C Transaction Support
- Merchant Account Consolidation – Streamline operations while staying scalable
Get Paid Faster, Smarter, and More Securely with RTP®
Your customers don’t want to wait. Your vendors don’t want excuses. Your business needs cash flow—now.
At TodayPayments.com, we make real-time payments via The RTP® Service easy, accessible, and fast. Whether you're a local retailer, national supplier, SaaS platform, or service provider, our platform gives you instant financial agility with zero headaches.
✅ Apply online—no paperwork
or bank appointments
✅ Alias security +
100+ MIDs supported
✅ Multi-bank enrollment
across the U.S.
✅ Support for ACH, FedNow®,
RTP®, and credit card transactions
✅
Instant funds movement + real-time reconciliation
✅
Friendly to high-risk and low-credit merchants
✅
POS, recurring billing, mobile invoicing—all-in-one platform
Ready to process instant
payments with The RTP® Service?
Visit
TodayPayments.com and enroll today to unlock fast, secure,
real-time transactions—powered by the future of payments.
Creation Request for Payment Bank File
Enhance Your Instant Payments Enrollment 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.
... 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
