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Real-Time Payments Gateway


Enroll in RTP® – The Future of Instant, Secure, and Flexible Payments

Why Businesses Are Enrolling in RTP® with TodayPayments.com

Text Mobile Request for Real-Time Payment

Enroll in RTP® – The Future of Instant, Secure, and Flexible Payments

We can provide “The FedNow® Service” and Real-Time Payments (RTP®) network MIDs (Merchant Identification Numbers) with multiple Banks and Credit Unions with all 50 States for your divisions and subsidiaries. For businesses of all sizes, enrolling in RTP® (Real-Time Payments) is a game-changer. Traditional payment methods like credit cards, ACH, and wire transfers come with delays, high fees, and security risks. RTP® provides instant account-to-account (A2A) transactions, improving cash flow and eliminating unnecessary costs.

With RTP®, businesses can use a mobile phone number or email as their alias/moniker instead of sharing complete financial data, making transactions more secure, efficient, and flexible across multiple banks.

At TodayPayments.com, we simplify RTP® enrollment, offering multiple Merchant Identification Numbers (MIDs) for different aliases. Whether you're a sole proprietor, LLC, partnership, S-Corp, or C-Corp, we ensure seamless RTP® integration, so you never have to visit a physical bank.

As an accounting fintech merchant processing company, we also integrate RTP® with QuickBooks® QBO, ensuring real-time reconciliation and financial automation.

Nationwide RTP® Enrollment Across 50 States

Text Mobile Request for Real-Time Payment

Enroll in RTP® – The Best Real-Time Payment Solution for Every Business

Why Businesses Are Enrolling in RTP® with TodayPayments.com

Traditional banking is slow, expensive, and full of red tape.

Enrolling in RTP® with TodayPayments.com provides:

✅ Instant real-time payments – No more ACH or wire transfer delays.
✅ Alias-based transactions – Use cell phone numbers and email addresses instead of bank account numbers.
✅ Multiple MIDs for all aliases – We provide customized merchant IDs for every alias.
✅ 24/7 online enrollment – Skip the bank, apply from anywhere, anytime.
✅ QuickBooks® QBO integration – Automate payments, tracking, and reconciliation.
✅ "FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
Request for Real-Time Payment

Premier RTP® Enrollment Services by TodayPayments.com

✅ Enroll Multiple RTP® Accounts Across Banks

  • Link multiple banks and credit unions for seamless processing.
  • Most banks won’t offer this, but TodayPayments.com does!

✅ Custom Hosted Payment Pages for RfP Invoicing

  • Generate custom payment pages linked to ISO 20022-compliant invoices.
  • Send payment hyperlinks via text, email, and SMS for frictionless transactions.

✅ Merchant Accounts for RTP® & Real-Time Payments

  • We provide dual merchant accounts for both RTP® and Real-Time Payments.
  • Most banks won’t support this—TodayPayments.com does!

✅ Nationwide RTP® Enrollment Across 50 States

  • Enroll all divisions and subsidiaries under one system.
  • Works across multiple banks and financial institutions.

✅ Multiple Email & Phone Number MIDs

  • Assign separate MIDs for each alias (email or phone number).
  • Businesses with 100+ identifiers can enroll effortlessly.

✅ Free Real-Time Payments Bank Reconciliation

  • Treasurers and CFOs can manage payments instantly with our free reconciliation tools.
  • No additional costs—just real-time treasury management.

✅ Step-by-Step Guide for U.S. Merchants to Enroll in RTP®

1️⃣ Register online at TodayPayments.com—No in-person visits.
2️⃣ Use your phone number and email as aliases for banking transactions.
3️⃣ Link multiple bank accounts under one consolidated system.
4️⃣ Get Merchant Identification Numbers (MIDs) for every alias.
5️⃣ Sync RTP® with QuickBooks® QBO for automated reconciliation.
6️⃣ Send and receive real-time payments via mobile, email, and SMS invoicing.

Key Benefits of Enrolling in RTP® with TodayPayments.com

Low-Cost Transactions with No Credit Card Fees

  • RTP® transactions are significantly cheaper than credit cards.
  • No PCI compliance fees, chargebacks, or high interchange rates.

Instant Real-Time Payments (A2A Credit & Debit Transactions)

  • Funds settle in seconds, not days.
  • Perfect for payroll, invoices, and vendor payments.

No Bank Visits Required – 100% Online Enrollment

  • Apply anytime, anywhere, with no in-person applications.
  • Fast approvals and account setup in minutes.

Secure Alias-Based Payments

  • Never expose full banking details—use your phone number or email instead.
  • Ideal for merchants focused on financial security and privacy.

Multiple MIDs for Organized Transactions

  • Assign different Merchant IDs by department, location, or business unit.
  • Improve financial reporting and transaction management.

24/7/365 Payment Processing

  • Accept and send RTP® payments anytime—even weekends & holidays.

Industries That Benefit Most from Enrolling in RTP®

Retail & E-Commerce

  • Accept real-time payments with secure online invoicing.
  • No pending transactions—get paid instantly.

B2B & Wholesale Transactions

  • Eliminate wire transfer and ACH delays.
  • Make bulk payments instantly, improving supplier relations.

Subscription & Membership-Based Businesses

  • Automated, recurring payments with no chargeback risks.
  • Ideal for SaaS, streaming, and membership programs.

Freelancers & Gig Economy

  • Get paid instantly with just a phone number or email alias.
  • No delays in accessing earnings.

High-Risk Industries

  • No merchant account restrictions based on industry type.
  • Perfect for industries like gaming, adult, and CBD.

Enroll in RTP® with TodayPayments.com Today

Are you ready to revolutionize your payment processing with instant real-time payments? Enroll in RTP® with TodayPayments.com and enjoy:

Instant payments using your phone number or email as an alias.
Multiple MIDs for better financial management.
24/7 online enrollment—no need to visit a bank.
Lower transaction costs with no chargebacks or PCI fees.
Seamless integration with QuickBooks® QBO.

Sign up today with TodayPayments.com and start processing real-time RTP® payments effortlessly!

Creation Request for Payment Bank File

Enhance Your Enroll FedNow 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.

Request for Payment

... 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.

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