FedNow® High-Risk Request for Payment (RfP™) with RTP® and ACH

To equip U.S. businesses with next-generation, alias-based Request for Payment (RfP™) tools that enable real-time, recurring or batch payment collections via FedNow® and RTP®, supported by ISO 20022 file formats, automated reconciliation, and digital delivery across all platforms.

TodayPayments.com is the premier fintech gateway for real-time, alias-driven payments. Our RfP™ platform allows businesses to send recurring or batch payment requests using mobile, email, QR code, or SMS—and receive instant A2A, B2B, or C2B payments via FedNow®, RTP®, ACH, Cards, or BNPL. With robust ISO 20022 support and QuickBooks® integrations, we offer good-funds certainty and 24/7 payment automation, making every transaction secure, instant, and fully reconciled.

We are redefining how high-risk businesses send and receive payments by leveraging real-time infrastructure built on FedNow®, RTP®, and ACH rails. Our platform enables instant, secure, and irrevocable transactions using ISO 20022 Request for Payment (RfP™) messaging—without the friction of traditional underwriting, credit checks, or chargeback exposure. We bring a modern accounting fintech layer that transforms invoicing into immediate, decision-based payment authorization.

We empower businesses to move money in real time with certainty, transparency, and control by delivering a unified Request for Payment platform that eliminates risk, accelerates cash flow, and simplifies financial operations.

We position ourselves as the premier real-time payment orchestration layer for high-risk and mainstream businesses—bridging accounting systems with FedNow®, RTP®, and ACH rails to deliver instant, good-funds settlement without traditional payment friction.

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ReceivePay.com, a division of Today Payments, Inc., will provide a modern Request-for-Payment (RfP™) infrastructure architecture designed to connect business software, accounting platforms, and developer applications directly to real-time payment networks. This platform architecture enables businesses, fintech developers, and financial institutions to securely originate, route, and settle payments using RTP®, FedNow®, and ACH rails through a unified orchestration layer. The infrastructure is built to simplify real-time payment adoption while maintaining bank-grade security, open banking interoperability, and ISO 20022 messaging standards. By combining open APIs with payment routing intelligence, ReceivePay.com enables organizations to modernize their accounts receivable and payment automation workflows

Services
We provide Request for Payment issuance, real-time payment routing, hosted payment pages, multi-bank connectivity, accounting system integration, and ISO 20022 message orchestration. Our services include payer authorization workflows, instant settlement processing, reconciliation tools, and enterprise-grade treasury dashboards designed for both payers and payees.

Solutions
We deliver a complete real-time payment solution that converts invoices into actionable RfP™ messages, enabling payers to approve, decline, or schedule payments. Our platform intelligently routes transactions through FedNow®, RTP®, or ACH based on eligibility and timing. We offer open-banking connectivity, alias-based payment identity, and a unified API layer that integrates directly into accounting environments such as QuickBooks.

Benefits
We eliminate chargebacks, reduce fraud exposure, and provide immediate access to good funds. Businesses gain faster cash flow, improved working capital, and complete payment visibility. Payers benefit from control and authorization, while payees benefit from certainty and speed. There is no reliance on credit scores, no formal underwriting delays, and no revocable payment risk when using real-time rails.

Features
Our platform includes real-time RfP™ messaging, payer decisioning controls, smart routing across payment rails, hosted approval interfaces, multi-user access, audit trails, and automated reconciliation. We provide configurable workflows, payment scheduling, partial payment options, and multi-account funding capabilities—all built on ISO 20022 standards.

Top 10 Feature-Rich Reasons to Choose Premier FedNow®, RTP® or ACH Payment Processing
1. Instant settlement with real-time confirmation
2. No credit card chargebacks or disputes
3. No formal underwriting requirements
4. No dependency on credit scores
5. Irrevocable payment authorization for real-time rails
6. Intelligent routing across FedNow®, RTP®, and ACH
7. Seamless integration with accounting platforms
8. Enhanced fraud prevention through payer approval
9. Multi-bank and multi-account support
10. Scalable infrastructure for high-risk and high-volume merchants

Services and Capabilities for Businesses as Payers and Payees
We enable businesses to operate as both payers and payees through a unified Request for Payment ecosystem where invoices become actionable payment requests, approvals trigger instant settlement, and reconciliation occurs automatically; parameters include invoice amount, due date, payer identity, and payment method; attributes include real-time authorization, ISO 20022 structured data, and multi-rail routing; benefits include faster cash cycles, reduced risk, and improved liquidity; features include approval workflows, scheduling, partial payments, and automated posting to accounting systems for both B2B and C2B transactions.

We provide FedNow® high-risk payment processing solutions for businesses seeking instant settlement without chargebacks, enabling RTP® Request for Payment workflows with ISO 20022 messaging for secure and efficient transactions, delivering ACH and real-time payment integration for QuickBooks users needing automated reconciliation and cash flow acceleration, and offering high-risk merchant payment platforms that eliminate underwriting delays while ensuring payer-controlled authorization and real-time funds availability.

Minimum ISO 20022 Request for Payment Data Fields Summary
A minimum ISO 20022 RfP™ includes key structured data elements such as message identification, creation date and time, requesting party details, debtor (payer) information, creditor (payee) information, instructed amount, currency, remittance information, requested execution date, payment purpose, and response requirements. These standardized fields ensure interoperability across FedNow® and RTP® networks while enabling consistent processing, validation, and reconciliation across financial institutions and accounting platforms.

Request for Payment (RfP™)is a secure, ISO 20022-based payment request that notifies a payer to authorize and complete a payment to the payee. It replaces static invoices with interactive, alias-based invoicing, where the payer receives the request through:
~ SMS/Text
~ Email
~ Quick Response Code (QR)
~ Mobile or Web Interfaces

Each RfP™ directs the payer to a hosted payment page, where they can pay in real time using FedNow®, RTP®, ACH, Credit Cards, or BNPL

Conclusion
We are not a bank—we are the strategic layer that activates real-time payments for modern businesses. At Real-TimePayments.com, we connect your accounting systems directly to FedNow®, RTP®, and ACH networks, transforming invoices into instant, authorized payments with no chargebacks, no delays, and no unnecessary barriers. If your business demands speed, certainty, and control over cash flow, we deliver the infrastructure to make it happen—right now.