Apply for Real-Time Payments (RTP®) | Instant Business Transactions
Why Businesses Are Applying for RTP® Merchant Accounts with TodayPayments.com
Application for Real-Time Payments – The
Future of Business Payment Processing
As businesses seek faster, more secure, and
cost-efficient payment solutions, traditional methods like credit
cards, ACH transfers, and wire payments create delays, high fees,
and inefficiencies. Real-Time Payments (RTP®) is revolutionizing the
industry, providing instant account-to-account (A2A) transactions
that eliminate processing delays and improve cash flow management.
With TodayPayments.com, businesses can apply for Real-Time Payments (RTP®) merchant processing accounts and The FedNow® Service merchant accounts seamlessly. Our solution allows companies to use cell phone numbers and email addresses as aliases instead of full financial details, ensuring fast, secure transactions across multiple banks and credit unions in all 50 states.
>By choosing TodayPayments.com, businesses can consolidate their multiple accounts, gain unique Merchant Identification Numbers (MIDs) for each alias, and process payments across different financial institutions—all without stepping into a bank.
As a U.S.-based Accounting Fintech merchant processing company, we also integrate Real-Time Payments with QuickBooks® QBO, allowing businesses to automate reconciliation, streamline payment processing, and enhance financial management.
Apply for RTP® and The FedNow® Service Across Multiple Banks
Why Businesses Are Applying for RTP® Merchant Accounts with TodayPayments.com
Traditional payment systems are costly, slow, and inefficient.
By applying for RTP® merchant processing with TodayPayments.com, businesses gain:
✅ Instant real-time payment
processing – Funds settle in seconds, not days.
✅ Alias-based transactions – Use cell phone
numbers and email addresses instead of complete financial data
for added security.
✅ Multiple MIDs for
enhanced organization – Businesses receive custom Merchant
Identification Numbers (MIDs) per alias for better financial
tracking.
✅ 24/7 online account application and
activation – No need to visit a bank to apply for Real-Time
Payments.
✅ QuickBooks® QBO integration
– Automate reconciliation, improve cash flow tracking, and
eliminate manual payment errors.
Premier Real-Time Payments (RTP®) Merchant Services by TodayPayments.com
✅ Apply for RTP® and The FedNow® Service with Multiple Banks
- We provide merchant accounts for both RTP® and The FedNow® Service.
- Most banks do not offer this level of flexibility—but TodayPayments.com does!
✅ Enroll Multiple RTP® Merchant Accounts Across Banks & Credit Unions
- Easily connect multiple financial institutions within a single RTP® platform.
- Ideal for businesses with multiple divisions, subsidiaries, and banking relationships.
✅ Custom Hosted Payment Pages for Request for Payment (RfP) Invoicing
- Generate branded payment pages with ISO 20022 compliance for seamless invoicing.
- Insert direct payment links into invoices, text messages, and emails for fast customer transactions.
✅ Multiple MIDs for Secure and Organized Payment Processing
- Assign unique Merchant Identification Numbers (MIDs) to different aliases (phone numbers & emails).
- Businesses handling 100+ identifiers can consolidate accounts with ease.
✅ Nationwide RTP® Payment Processing Across All 50 States
- Supports multiple banks and credit unions nationwide.
- Ideal for businesses operating in various states with multiple banking relationships.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
- Treasurers and CFOs can manage transactions instantly using our reconciliation tools.
- No additional costs—this is a free feature!
✅ Step-by-Step Guide for U.S. Merchants to Apply for RTP® Processing
1️⃣ Sign up online at
TodayPayments.com—skip the traditional bank application process.
2️⃣ Register your cell phone number and email as
secure aliases for RTP® transactions.
3️⃣
Enroll multiple bank accounts and consolidate payments into a
streamlined system.
4️⃣ Receive unique MIDs
for each alias to simplify transaction management.
5️⃣
Integrate Real-Time Payments with QuickBooks® QBO for seamless
automation.
6️⃣ Start accepting and sending
RTP® payments through text, mobile, email, and SMS invoicing.
Key Benefits of Applying for RTP® with TodayPayments.com
Lower Transaction Costs – Say Goodbye to Credit Card Fees
- RTP® transactions are significantly cheaper than traditional credit card processing.
- Avoid chargebacks, PCI compliance fees, and high interchange rates.
Instant A2A Payments – Improve Cash Flow Efficiency
- No waiting for ACH batch processing or wire transfers.
- Funds settle immediately, allowing better cash flow management.
No Physical Bank Visits – Fully Digital Application Process
- Apply for RTP® anytime, from anywhere—no in-person banking needed.
- Faster approval times compared to conventional banking methods.
Enhanced Security with Alias-Based Transactions
- Never expose full banking details—use phone numbers or email aliases for transactions.
- Improved fraud protection with multi-factor authentication.
Multiple MIDs for Streamlined Financial Operations
- Assign MIDs by department, business location, or corporate division.
- Simplified transaction tracking and reporting for improved financial oversight.
24/7/365 Payment Processing – No Delays
- Accept and send RTP® payments anytime—including weekends and holidays.
Industries That Benefit Most from Applying for RTP® Payments
Retail & E-Commerce
- Enable instant checkout for online and in-store customers.
- Reduce abandoned carts and improve conversion rates with instant transactions.
B2B & Wholesale Payments
- Process supplier and vendor payments instantly.
- Eliminate wire transfer fees and ACH processing delays.
Subscription & Membership Services
- Automate recurring billing cycles with no chargeback risks.
- Ideal for SaaS, gyms, and membership-based businesses.
Freelancers & Gig Economy
- Get paid instantly using phone numbers or email aliases.
- No more waiting for contractor payments or transaction holds.
High-Risk Industries
- No merchant restrictions based on industry type or credit history.
- Ideal for businesses that banks typically decline, including CBD, adult, and gaming industries.
Apply for Real-Time Payments (RTP®) with TodayPayments.com Today
Are you ready to upgrade your business payment processing with instant, secure, and low-cost transactions?
Apply for Real-Time Payments (RTP®) with TodayPayments.com and benefit from:
Real-time transactions using phone numbers or
email aliases for security.
Multiple MIDs for improved
financial management and payment tracking.
100% digital
application process—skip the in-person banking hassle.
Lower
processing costs with no chargebacks or PCI fees.
Seamless
integration with QuickBooks® QBO for automated reconciliation.
Apply today at TodayPayments.com and start accepting Real-Time Payments (RTP®) instantly!
Creation Request for Payment Bank File
Enhance Your Application 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.
... 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.
Contact Us for Request For Payment payment processing
