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Real-Time Payments Gateway


On-Demand Payment Using Request for Payment (RfP) After Delivery of Services or Products

“At TodayPayments.com, our mission is to make On-Demand Payments accessible, automatic, and secure through real-time RTP® and FedNow® networks. We empower merchants, professionals, and platforms to request and receive final payment after delivery—instantly.”

TodayPayments.com enables businesses to use RfP-based On-Demand Payments across any industry. Whether you provide a product, professional service, or operate a marketplace platform, we connect your payment request directly to your customer’s bank—eliminating delays, chargebacks, and friction in post-delivery collections. It’s cash flow certainty—when and where you need it.

Real-Time Payment Parameters, Attributes, Benefits & Features

Real-Time Settlement Starts After the Job is Done

In today’s fast-paced digital economy, businesses and independent professionals need to get paid instantly—not days or weeks later. When services are rendered or products delivered, the next logical step is payment. Using Request for Payment (RfP) via FedNow® or RTP®, payees can trigger On-Demand Payments the moment value has been provided. Whether you're a contractor, delivery service, or B2B vendor, RfP ensures you're not left waiting.

✅ 1. Request for Payment (RfP) Initiated After Delivery

FedNow® and RTP® enable payees to send RfP messages only after services or products are delivered, ensuring customer satisfaction before requesting funds. Common use cases:

  • Consultants billing for completed milestones
  • Contractors after final inspection
  • Retail/eCommerce deliveries confirmed by GPS or scan

 “On-Demand Payment using Request for Payment (RfP) empowers businesses to receive secure, real-time payment from Payers immediately after services or products are fulfilled.”

✅ 2. Instant Credit Push from Payer’s Bank

Once the Payer receives the RfP and approves:

  • Funds are instantly debited and settled via FedNow® or RTP®
  • No cards, no checks, no float
  • Real-time confirmation to both parties

“On-Demand Payments via RTP® or FedNow® use irreversible credit push technology, ensuring that once the Payer authorizes the transaction, the Payee receives funds within seconds.”

✅ 3. ISO 20022-Compliant Messaging for RfP

Each RfP message contains:

  • <RFPId> — Unique payment request ID
  • <ReqdAmt> — Exact amount requested
  • <XprtnDtTm> — Expiration timestamp
  • <RmtInf> — Invoice, order, or delivery reference
  • <Cdtr> / <Dbtr> — Payee and Payer details

“Structured Request for Payment messages using ISO 20022 ensure clean accounting, automated reconciliation, and legal compliance across FedNow® and RTP® platforms.”

✅ 4. POS, Mobile, E-commerce, and MOTO Compatibility

RfP can be delivered:

  • As a QR code for in-person POS use
  • Via SMS or email for MOTO and service industries
  • Embedded into e-commerce checkouts
  • Integrated with mobile platforms (delivery apps, service portals)

“On-Demand Payments using RfP adapt to all business channels—online, mobile, retail, and remote—making it the most versatile real-time payment tool available.”

✅ 5. Fraud-Resistant & Chargeback-Free

  • Only the Payer can authorize payment
  • No pulling of funds (push-only)
  • Once paid, the funds are final—no revocations or disputes

“With RTP® and FedNow®, Payees gain confidence through irreversible settlement, eliminating chargeback risks that plague card-based payments.”

Core Attributes of RfP-Based On-Demand Payments

Attribute

Description

Payment Trigger

After goods/services are delivered

Delivery Channel

POS, QR, email, mobile, API

Network

FedNow® and/or RTP®

Standard

ISO 20022 (pain.013.001.07)

Settlement Speed

Instant

Authorization

Payer-side only

Chargeback Risk

None

Reconciliation

Automatic via unique IDs

Confirmation

Real-time webhook or QBO integration

On-Demand Payment for Delivery of Services and Products Using POS, E-commerce, or MOTO with FedNow Digital Service and Real-Time Payments

Implementing On-Demand Payment for the delivery of services and products using Point of Sale (POS) systems, E-commerce platforms, or Mail Order/Telephone Order (MOTO) systems with FedNow Digital Service and Real-Time Payments (RTP) offers significant advantages. Here are the key features and benefits:

Features

  1. Instant Payment Settlement:
    • Payments are settled instantly, ensuring immediate availability of funds upon the delivery of services or products.
  2. 24/7 Payment Capability:
    • Payments can be processed at any time, including weekends and holidays, providing continuous cash flow and operational flexibility.
  3. Real-Time Payment Confirmation:
    • Both merchants and customers receive immediate confirmation of payment, providing transparency and assurance that the transaction is complete.
  4. Enhanced Security:
    • Advanced security measures protect against fraud and unauthorized transactions, ensuring safe and secure payment processing.
  5. Integration with POS, E-commerce, and MOTO Systems:
    • Seamless integration with existing systems for automatic tracking, categorization, and reconciliation of payments.
  6. Support for Multiple Payment Channels:
    • Flexibility to accept payments through various methods, including bank transfers, digital wallets, and other real-time payment methods.

Benefits

  1. Improved Cash Flow Management:
    • Instant access to funds enhances cash flow management, allowing businesses to utilize incoming payments immediately.
  2. Reduced Payment Risks:
    • Ensures that payments are received upon delivery, reducing the risk of non-payment or delayed payment.
  3. Increased Trust and Reliability:
    • Real-time payments build trust between merchants and customers by providing immediate and transparent payment processing.
  4. Enhanced Customer Experience:
    • Customers benefit from the convenience and assurance of instant payments, improving overall satisfaction.
  5. Operational Efficiency:
    • Automated integration with POS, E-commerce, and MOTO systems reduces the administrative burden of manual data entry and reconciliation, increasing operational efficiency.
  6. Cost Savings:
    • Minimizes costs associated with payment delays, chargebacks, and collections.
  7. Compliance with Payment Standards:
    • Adheres to modern payment standards and regulations, ensuring compliance and reducing regulatory risks.
  8. Competitive Advantage:
    • Offering on-demand payment options can differentiate a business from competitors, attracting more customers who value convenience and reliability.

Applications in Different Channels

Point of Sale (POS) Systems

  1. In-Store Payments:
    • Instant payment upon purchase in physical stores enhances customer satisfaction and streamlines the checkout process.
  2. Mobile POS:
    • Payments processed through mobile POS devices during deliveries or off-site transactions ensure immediate settlement and confirmation.

E-commerce Platforms

  1. Online Purchases:
    • Customers can make instant payments upon placing an order online, reducing cart abandonment and improving the checkout experience.
  2. Subscription Services:
    • Automates recurring payments for subscription-based services, ensuring timely and consistent payment collection.

Mail Order/Telephone Order (MOTO) Systems

  1. Remote Payments:
    • Customers can make payments over the phone or via mail, with real-time processing ensuring immediate settlement upon order fulfillment.
  2. Service-Based Transactions:
    • Ideal for service providers who accept payments remotely, ensuring that funds are available immediately upon service completion.

Conclusion

On-Demand Payment for the delivery of services and products using POS, E-commerce, or MOTO systems with FedNow Digital Service and Real-Time Payments offers a modern, efficient, and secure payment solution. This capability ensures immediate settlement of payments, improved cash flow management, enhanced security, and operational efficiency. By integrating with existing systems, businesses can streamline their financial operations, reduce administrative burdens, and provide a superior payment experience for their customers. This feature provides a significant competitive advantage, enhancing trust, reliability, and customer satisfaction.

Turn Completed Work into Instant Pay with TodayPayments.com

Why wait to get paid? Whether you’re delivering food, repairing a home, offering legal advice, or shipping a B2B order, your payment should be On-Demand the moment you’ve fulfilled your part.

✅ Send an RfP the second your job is done
✅ Let your client pay you in real-time via RTP® or FedNow®
✅ Avoid late payments, chargebacks, and reconciliation headaches

With TodayPayments.com, your completed work becomes instant revenue.

Set up your RfP-enabled On-Demand Pay system today at www.TodayPayments.com — Your services. Their approval. Your funds. Instantly.

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000+ ~ FedNow, $10,000,000+ ~ RTP.
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.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your 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

Text Mobile Request for Payment Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! 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 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 + 1.5% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our On-Demand Payment 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 Request For Payment payment processing