How Anywhere RTP® Works for Instant A2A Transactions with Request for Payments (RfP)
Understanding RTP® & How Request for Payments (RfP) Works
Anywhere RTP® – Real-Time A2A Payments Using
Request for Payments (RfP) Mobile Invoicing
Transforming Instant Digital Payments for
Businesses & Consumers
In today’s fast-paced financial world,
businesses, freelancers, and service providers cannot afford to wait
for slow bank transfers or pay high credit card fees. Whether you’re
managing B2B vendor payments, C2B customer transactions, or B2C
payouts, waiting days for ACH transfers to process is outdated and
inefficient.
🔹 ACH payments take 1-3 business
days, delaying access to funds.
🔹 Wire transfers
come with high costs and are restricted by banking hours.
🔹 Credit card transactions charge 2-4% processing fees,
reducing business profits.
With Anywhere RTP® real-time payments powered by Request for Payments (RfP) mobile invoicing, businesses and individuals can send and receive A2A (Account-to-Account) transactions instantly—24/7/365, without cut-off times or delays.
💡 Imagine sending a digital payment request from your mobile and receiving funds within seconds—securely, instantly, and with lower costs.
TodayPayments.com shows how Anywhere RTP® and RfP mobile invoicing revolutionize payment processing, providing instant, real-time transactions for businesses and consumers.
"Anywhere FedNow" for your business using Real-Time Payments
Real-Time Payments (RTP®) is a modern digital payment network that enables instant transactions between bank accounts. Unlike traditional payment methods, RTP® transactions settle immediately, making it an ideal solution for businesses that need fast and secure fund transfers.
With Request for Payments (RfP) mobile invoicing, businesses can:
✔ Send structured digital
payment requests in real-time.
✔ Prompt customers
or payers to approve and complete payments instantly.
✔
Reduce payment delays and improve cash flow efficiency.
How Request for Payments (RfP) Mobile Invoicing Works for A2A Transactions:
1️⃣ A payee (business,
freelancer, or service provider) sends a payment request via RfP
mobile invoicing.
2️⃣ The payer (customer or
business) receives a secure request notification on their banking
app.
3️⃣ The payer reviews and approves the
request, instantly transferring funds via RTP®.
4️⃣
Funds are settled immediately, with no delays or banking
restrictions.
5️⃣ The transaction is final,
secure, and automatically recorded for reconciliation.
💡 This payment model eliminates manual invoicing delays, speeds up cash flow, and ensures immediate fund availability.
Ask Us:
How to enable RTP® real-time payments for
businesses using Request for Payments (RfP).
Best real-time
invoicing solution for B2B, C2B, and B2C transactions.
Instant
A2A transactions with RTP® vs. ACH vs. credit cards.
How
businesses can reduce transaction fees with RTP® real-time
payments.
Secure mobile invoicing with Request for Payments
(RfP) for instant payouts.
Why Businesses Should Use Anywhere RTP® with Request for Payments (RfP)
1. Get Paid Instantly – No More Waiting for ACH or Wire Transfers
🚀 RTP® transactions are settled
in real time, ensuring businesses get paid faster.
💰
Eliminate cash flow bottlenecks caused by slow processing times.
2. Lower Transaction Costs – No More Credit Card Fees
💳 Credit card networks charge
businesses 2-4% per transaction, reducing revenue.
💰
With RTP®, payments are direct, avoiding high processing fees.
3. 24/7/365 Availability – No Banking Delays
⏰ Unlike ACH, which processes
only during business hours, RTP® payments are always available.
✅ Businesses can accept payments anytime, improving
customer convenience.
4. No Chargebacks – Secure & Final Transactions
🔒 Credit card chargebacks
create risks for businesses.
✅ RTP® transactions
are final and cannot be reversed, reducing fraud risks.
5. Works for All Business Payment Types (B2B, C2B, B2C)
✅ B2B (Business-to-Business)
Transactions: Vendors and suppliers receive payments
instantly.
✅ C2B (Customer-to-Business)
Transactions: Customers make secure payments in real time.
✅ B2C (Business-to-Customer) Transactions:
Businesses issue payroll, refunds, and payouts instantly.
Anywhere RTP® vs. Traditional Payment Methods
Comparison Table: RTP® vs. ACH vs. Credit Cards
|
Feature |
Anywhere RTP® (Mobile RfP A2A Payments) |
ACH Transfers |
Credit Cards |
|
Processing Speed |
Instant (Seconds) |
1-3 Business Days |
1-3 Business Days |
|
Transaction Fees |
Low or None |
Varies by Bank |
2-4% Per Transaction |
|
Availability |
24/7/365 |
Business Days Only |
24/7, but slow settlement |
|
Chargebacks Allowed? |
No |
Possible Reversals |
Yes |
|
Best Use Cases |
B2B, C2B, B2C Digital Payments |
Recurring Payments |
Consumer Retail Payments |
💡 Key Takeaway: Anywhere RTP® provides faster, safer, and lower-cost payment processing compared to ACH and credit card methods.
How to Get Started with Anywhere RTP® and RfP Mobile Invoicing
Step-by-Step Guide:
✅ Step 1: Ensure Your Bank
Supports RTP®.
✅ Step 2: Enable RfP in Your Online
Banking or Payment System.
✅ Step 3: Send Digital
Invoices & Payment Requests in Real-Time.
✅ Step
4: Customers Approve & Complete Transactions Instantly.
✅
Step 5: Receive Payments in Seconds – No Delays, No Waiting!
🔹 Once integrated, businesses can process payments faster, eliminate invoice delays, and improve financial efficiency.
Upgrade to Anywhere RTP® with TodayPayments.com
💡 Are you tired of slow payments, high processing fees, and cash flow delays? Make the switch to Anywhere RTP® with Request for Payments (RfP) and experience real-time payments today!
Business Owners & Entrepreneurs:
Eliminate invoice delays and improve cash flow.
Freelancers
& Contractors: Stop waiting for clients—get paid instantly.
Retailers & Service Providers: Accept real-time customer
payments with no chargebacks.
Banks & Financial
Institutions: Offer your customers the fastest and most secure
payment solutions.
🔹 With TodayPayments.com, integrating real-time payments has never been easier!
🚀 Sign up at TodayPayments.com now and start accepting instant payments!
Creation Request for Payment Bank File
Enhance Your Anywhere 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
