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Real-Time Payments Gateway


Business Bill Pay

TodayPayments.com is the all-in-one solution for businesses seeking streamlined Business Bill Pay powered by Request for Payments (RfP). From one-click digital invoicing to ISO 20022-enabled batch uploads, we connect Payees and Payers in real time—through mobile, email, and banking platforms. Whether you send payments directly or via a bank dashboard, TodayPayments.com simplifies invoicing, accelerates collections, and eliminates billing friction. Our platform is designed for B2B, C2B, and high-risk merchants who demand speed, certainty, and control.

 

Business Bill Pay with Direct Request for Payments

Mobile Request for Payment In today’s digital-first business landscape, waiting days—or even weeks—for payments to clear is no longer acceptable. Businesses need instant, secure, and seamless payment solutions that work in real time. That’s why Business Bill Pay, powered by Request for Payments (RfP), is revolutionizing the way companies send and receive funds. Whether initiated directly from a Payee to a Payer, or through a bank dashboard, this modern billing method ensures faster payment cycles, improved cash flow, and automated reconciliation. At the forefront of this transformation is TodayPayments.com, empowering businesses with smarter, more efficient ways to manage their billing workflows.

The core of Business Bill Pay is the ability to send a Request for Payment directly to customers or clients—eliminating the delay of traditional invoicing. This allows:

  • Payees (sellers or service providers) to send digital requests for funds instantly
  • Payers (clients or buyers) to respond in real time via mobile, email, or online banking
  • Reduced risk of missed or delayed payments
  • Clear communication with built-in invoice details like amount due, due date, and memo notes

This direct-pay model makes the billing process more interactive, streamlined, and secure—ideal for both B2B and C2B environments.

Send RfP via Bank Dashboards or Merchant Platforms

Modern financial institutions and payment processors now offer RfP functionality inside online dashboards—perfect for businesses that want to centralize billing operations. Using this dashboard interface, you can:

  • Schedule recurring or one-time bill payments to clients or vendors
  • Automate digital invoicing with pre-filled payment details
  • Access real-time status updates and delivery confirmations
  • Customize templates for different transaction types (utilities, subscriptions, one-time projects)

Whether you manage payments from your bank's RfP dashboard or directly through your merchant account at TodayPayments.com, you’re always connected, always in control.

Benefits of Business Bill Pay with TodayPayments.com

With TodayPayments.com, you gain access to powerful tools and resources that enhance every aspect of your billing cycle:

  • Real-time Request for Payments delivery via SMS, email, or in-app messaging
  • Support for batch uploads, ISO 20022 messaging, and standardized reconciliation
  • Integration-ready options for accounting software and financial dashboards
  • Free templates for Accounts Receivable Aging and Bank Reconciliation
  • Full support for high-risk, recurring, and cross-state merchant billing
 

Implementing invoicing with Real-Time Payments (RTP) and FedNow for business bill pay through various channels like mobile, invoicing platforms, texting, and file upload capabilities on a bank or business website offers a comprehensive, efficient payment solution. Here’s a breakdown of how businesses can integrate these technologies effectively:

Mobile Payments

  • App Integration: Develop a mobile app or integrate with an existing one that supports RTP and FedNow. This app can generate invoices and process payments instantly, providing a convenient payment option for customers who prefer mobile transactions.
  • QR Codes: Use QR codes on invoices or physical locations that customers can scan to pay instantly. The QR code would link directly to a payment portal where FedNow or RTP transactions can be processed.

Invoicing Platforms

  • Automated Invoice Generation: Utilize or build an invoicing platform that supports real-time payment options. When an invoice is generated, it can include a payment button or link that initiates an RTP or FedNow transaction.
  • Real-Time Payment Confirmation: The platform should be able to confirm payment receipt in real time, updating the invoice status automatically to reflect the payment.

Text Payments

  • SMS Invoicing: Send invoices directly to a customer's mobile phone via SMS, including a link or instructions to complete payment using RTP or FedNow. This method is particularly effective for quick transactions and reaching customers without access to traditional email or app notifications.
  • Payment Reminders: Use automated texting services to send payment reminders that include direct links to the payment gateway.

File Upload Creation

  • Document-Based Invoicing: Allow businesses to upload invoices or financial documents in formats like PDF or Excel on a bank’s website or a dedicated payment portal. These files can be processed to extract payment details automatically, offering a seamless way for larger B2B transactions to be handled.
  • Integration with Accounting Software: Ensure the system integrates smoothly with existing accounting software, enabling businesses to upload financial documents directly from their accounting systems and facilitating immediate payment processing through RTP or FedNow.

Implementation Steps

  1. API Integration: Work with RTP and FedNow APIs to integrate these payment methods into your mobile apps, invoicing platforms, and websites.
  2. User Authentication and Security: Implement robust security measures, including two-factor authentication and encryption, to protect transaction data and user information.
  3. User Interface Design: Design intuitive and user-friendly interfaces for each platform to encourage usage and minimize errors during the payment process.
  4. Compliance and Testing: Ensure all systems comply with financial regulations and conduct thorough testing with mock transactions to iron out any issues before going live.

Benefits

  • Speed and Efficiency: Payments are processed in real time, improving cash flow and reducing the waiting period associated with traditional payment methods.
  • Convenience: Offers multiple avenues for customers to pay, catering to their preferences and enhancing the overall customer experience.
  • Reduced Costs: By leveraging digital and automated processes, the costs associated with manual billing and collections are significantly reduced.
  • Enhanced Security: Using RTP and FedNow reduces the risk of fraud and ensures secure transactions.

By integrating RTP and FedNow into business bill pay systems across mobile, web, and texting platforms, businesses can significantly enhance their operational efficiency, improve customer satisfaction, and ensure timely payment processing.

Stop chasing payments and start getting paid faster—with Business Bill Pay powered by TodayPayments.com. Whether you’re sending an RfP straight from your dashboard or pushing invoices from Payee to Payer, our platform delivers real-time results, reduced DSO, and full automation.

👉 Take control of your cash flow and billing cycles today.
🚀 Visit https://www.TodayPayments.com to activate smarter Business Bill Pay now—with free templates, full RfP capabilities, and no delays.

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Text Mobile Request for Real-Time Payment Money Transfer: Current limit of $1,000,000 ~ FedNow, $10,000,000 ~ RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs. several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management or Enterprise software with us.
Message Detail: Full 145 characters available using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All parties to a instant payment transaction receive immediately text & email messaging.  The FedNow and RTP Systems enables Participants to initiate credit transfers, receive final and irrevocable settlement for credit transfers, and make available to Receivers funds associated with such credit transfers in real-time, twenty-four (24) hours a day, seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit Push" instead of "Debit Pull."

Creation Request for Payment Bank File

Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! Our system will Validate your upload data payment files. We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank. 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.

Pricing with our Request For Payment Solutions

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 1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support


2) We create .csv or .xml formatting files using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.

Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Business Bill Pay system.

Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG


4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

Contact Us for Real-time Payments processing