Biller's login - Hosted Payments Page
Real-Time Payments Gateway


ACH Real Time

TodayPayments.com is the U.S. leader in ACH real-time enablement through ISO 20022-powered Request for Payments, alias-driven digital invoicing, and real-time settlement across FedNow®, RTP®, and Same-Day ACH.
We help finance teams, merchants, and enterprise platforms modernize outdated ACH processing by introducing smart payment flows that are fast, verifiable, and optimized for today's open banking infrastructure.

Whether you’re billing B2B clients or managing recurring C2B subscriptions, TodayPayments.com delivers real-time ACH precision with modern payment logic.

 

ACH Real Time Payments with ISO 20022 and Open Banking Integration

ACH Real-Time – The Future of Instant A2A Payments with FedNow®, RTP®, and Same-Day ACH

In today’s digital economy, businesses and consumers demand faster, secure, and cost-efficient payment solutions. While ACH payments have been widely used for B2B, B2C, and C2B transactions, traditional ACH lacks real-time capabilities. ACH Real-Time is an emerging concept that encompasses Same-Day ACH, FedNow®, and RTP® (Real-Time Payments)—offering instant account-to-account (A2A) credit and debit transactions.

While NACHA does not currently offer Instant ACH, businesses can leverage FedNow® and RTP® for instant settlements, automated Request for Payment (RfP) invoicing, and ISO 20022 messaging compliance. These technologies enhance financial transactions by reducing delays, eliminating chargebacks, and improving cash flow management for businesses, consumers, and government entities.

While traditional ACH payments are known for being secure and widely used, they’ve long been associated with delays, batch windows, and limited settlement speeds. But that’s changing. With the evolution of open banking, ISO 20022 messaging, and the rise of FedNow® and RTP®, ACH Real Time capabilities are finally within reach.

At TodayPayments.com, we deliver the tools businesses need to transform outdated ACH workflows into real-time, alias-driven payment requests — integrated with smart invoicing, hosted payment pages, and instant reconciliation. Whether you're sending one-time or recurring payments, we ensure speed, structure, and settlement certainty.

Modern ACH processing is evolving into a real-time, data-rich experience. Through TodayPayments.com, businesses can send structured payment requests using ISO 20022 messaging while accessing real-time settlement capabilities through Same-Day ACH, RTP®, and FedNow® — all through a single platform.

Key Features:

  • Initiate ACH Real Time payments with ISO 20022-compliant messaging
  • Route payments through ACH, RTP®, FedNow®, or credit card fallback
  • Deliver payment requests via text, email, or mobile
  • Embed secure .html payment links into digital invoices
  • Use alias-based identifiers (email or phone) for both payer and payee
  • Automate recurring or one-time transactions, B2B or C2B
 

From Static ACH to Real-Time Speed with Smart Request for Payment (RfP)

Through structured file formats like .Excel, .XML, and JSON, you can now batch upload Request for Payments (RfPs) that enable faster, smarter ACH processing — connected to all U.S. financial institutions.

Supported Capabilities:

  • ✅ Interoperability between ACH, FedNow®, RTP®, and cards
  • ✅ Confirmation of Payee for fraud prevention and accuracy
  • ✅ Alias invoicing with no sensitive account sharing
  • ✅ Scheduled or dynamic recurring billing
  • ✅ Instant “Good Funds” verification and settlement
  • ✅ Free bank reconciliation templates for finance teams
FREE Real-Time Payments Bank Reconciliation%
✅ "FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us. Real-Time Payments Bank Reconciliation

This is ACH as it was meant to be — flexible, intelligent, and real time.

Automate ACH Real Time Billing with Alias Invoicing and Hosted Payment Pages

We bring the next generation of ACH processing to your business. Whether you're collecting from vendors, billing customers, or processing internal account transfers, TodayPayments.com enables real-time confirmation, identity validation, and end-to-end automation.

Why Businesses Use TodayPayments.com:

  • ✅ Real-time invoicing through text, email, or QR
  • ✅ Hosted .html payment pages linked to ACH, RTP®, or card networks
  • ✅ Identity-verified A2A transfers using alias invoicing
  • ✅ ISO 20022-rich data structure for RfP compliance
  • ✅ ACH fallback logic with priority routing for faster settlement
  • ✅ Instant reconciliation support via downloadable Excel templates
 

ACH Real-Time: The Future of Instant A2A Transactions with FedNow® & RTP®

What Is ACH Real-Time?

ACH Real-Time is a new industry term referring to the instant transfer of funds between bank accounts using:

  • Same-Day ACH – A faster version of traditional ACH, but not instant.
  • FedNow® – The Federal Reserve’s real-time payment system, available 24/7/365.
  • RTP® (Real-Time Payments) – A private-sector network for instant transactions, developed by The Clearing House.

These systems support B2B, C2B, and B2C transactions, enabling instant credit and debit transfers, unlike traditional ACH, which can take 1–3 business days to process.

Key Benefits of ACH Real-Time for Businesses & Consumers

✅ Instant Settlements with FedNow® & RTP®

  • FedNow® and RTP® process transactions in seconds, unlike ACH, which can take days.
  • Funds are available immediately, improving cash flow and liquidity.
  • Eliminates weekend and holiday delays, ensuring 24/7/365 payment processing.

✅ Secure, Direct Account-to-Account (A2A) Transfers

  • Unlike credit cards, which involve intermediary banks and payment processors, ACH Real-Time allows direct A2A transactions.
  • Reduces fraud risks, chargebacks, and unauthorized reversals.
  • ISO 20022 messaging compliance enhances security, transparency, and automation.

✅ Request for Payment (RfP) for Digital Invoicing

  • Businesses can send RfP invoices instantly, reducing late payments.
  • Automates reconciliation with QuickBooks®, Xero, and NetSuite.
  • Improves B2B cash flow management by enabling faster invoice-to-payment cycles.

✅ Supports B2B, B2C, & C2B Transactions

  • B2B (Business-to-Business) – Fast supplier/vendor payments, reducing processing costs.
  • C2B (Consumer-to-Business) – Instant online payments for retail, subscriptions, and invoices.
  • B2C (Business-to-Consumer) – Payroll, gig economy payouts, refunds, and disbursements.

✅ Eliminates Credit Card Processing Fees

  • ACH Real-Time transactions have lower fees than credit card payments.
  • No PCI compliance costs, reducing security and operational expenses.
  • More affordable for high-volume transactions compared to traditional card networks.

✅ 24/7/365 Payment Availability

  • Unlike ACH, wire transfers, and credit card processing, FedNow® & RTP® transactions are available anytime.
  • No more waiting for banking hours or business days to complete payments.

✅ Regulatory Compliance & ISO 20022 Messaging

  • ISO 20022 standards improve interoperability and automation.
  • Ensures compliance with financial institutions, government agencies, and global banking networks.
  • Supports detailed payment information, reducing reconciliation errors.

How ACH Real-Time Enhances Payment Workflows

🎯 Faster Business-to-Business (B2B) Payments

  • Pay vendors, suppliers, and service providers instantly.
  • No more waiting for ACH batch processing or wire transfer approvals.

🛍️ Ideal for E-Commerce & Retailers

  • Accept real-time payments, improving customer checkout experiences.
  • Faster order fulfillment with instant transaction confirmation.

📈 Perfect for Subscription & Recurring Billing

  • Automate recurring payments via Request for Payment (RfP) invoicing.
  • Reduce failed transactions and chargeback disputes.

🏦 Optimized Payroll & Contractor Payments

  • Pay employees, freelancers, and gig workers instantly with FedNow® & RTP®.
  • Reduce payroll processing costs and eliminate direct deposit fees.

Upgrade to ACH Real-Time with TodayPayments.com

Are you ready to transition from traditional ACH to instant real-time payments?

ACH Real-Time offers:

 Instant A2A transactions with FedNow® & RTP®
 Automated invoicing with Request for Payment (RfP)
 Secure, compliant, and cost-efficient transfers
 24/7/365 availability with ISO 20022 messaging

Say Goodbye to Delayed ACH. Say Hello to ACH Real Time.

Still waiting 1–3 days for payments to clear?
With TodayPayments.com, you can power ACH Real Time payments using structured data, alias invoicing, and instant “Good Funds” settlement.

✅ Upload ISO 20022 RfP files from Excel, XML, or JSON
✅ Accept payments via ACH, FedNow®, RTP®, or cards
✅ Send invoices via email, text, or hosted links
✅ Confirm payee identity in real time
✅ Reconcile payments automatically with free Excel templates
✅ Set up alias-based billing in minutes — no bank visit required

👉 Get started now at TodayPayments.com — where legacy ACH meets the future of instant payments.

 

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! 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.

Contact Us for Real-time Payments processing