Real-Time Payments Merchant Service Provider – Instant, On-Demand Transfers

Experience Immediate Fund Transfers with 24/7 Real-Time Processing

Real-Time Payments Merchant Service Provider – 24/7 Instant Digital Transactions
Leverage our Real-time Payments processing service to complete online transactions instantly, every minute of every day. Our solution guarantees immediate fund transfers, eliminating traditional delays and enhancing your business’s financial agility. Secure, bank-to-bank transfers ensure that each transaction is protected by advanced fraud detection and encryption protocols. Enjoy continuous, on-demand payments that support everything from payroll to vendor disbursements with unrivaled efficiency.

Enhance operational efficiency with our always-on digital payment platform that reduces processing costs and improves liquidity. Our real-time solution offers seamless integration with digital wallets and mobile platforms for a comprehensive payment ecosystem. Experience a secure, efficient environment where every transaction is processed at lightning speed. Empower your business with an on-demand payment system that transforms your financial operations.

Creation Request for Payment Bank File

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.