RTP® Real-Time Payments Using Banking Credentials and Aliases as Both Payee and Payer
To simplify, secure, and automate real-time
billing and collections using alias-driven
Request for Payment (RfP™)
integrated with RTP® and ISO 20022.
We empower businesses to
accelerate cash flow, reduce errors, and gain visibility across all
channels and payment types.
TodayPayments.com is your one-stop real-time
payments platform using alias-powered Request for Payment (RfP™) with
Hosted Payment orchestration.
Whether billing via text, email, or
QRC, we provide smart ISO 20022-compliant invoicing, real-time
settlement through RTP®, and full ERP and QuickBooks® integration.
How Aliases Simplify RTP® Real-Time Invoicing
RTP® Alias-Based Invoicing for Instant,
Secure Payments
The U.S. financial ecosystem is rapidly
adopting RTP® (Real-Time Payments) to support 24/7 instant
money transfers. Yet, the innovation doesn’t stop there—alias-based
Request for Payment (RfP™) makes it even easier for merchants to
initiate secure, ISO 20022-compliant invoicing using only mobile
numbers or emails instead of routing and account numbers.
By sending an RfP™ via email, SMS, mobile phone, or QR Code, merchants (Payees) provide customers (Payers) with a frictionless link to a Hosted Payments Page. Payers complete the transaction on their own terms, using secure aliases mapped to banking credentials—ensuring instant delivery of irrevocable good funds.
Instead of exchanging sensitive banking credentials, both Payee and Payer can use:
- Mobile Numbers
- Email Addresses
These aliases are tokenized and mapped to each party’s verified bank account.
This allows:
- Secure authentication
- Instant payment orchestration
- Frictionless delivery via SMS, Email, or QRC
Aliased RfP™ invoices link to Hosted Payments Pages, letting customers decide when and how to complete payments via RTP®, ACH, FedNow®, Cards, or BNPL.
Alias-Based MID Assignment for Enterprise Reconciliation
✅ "FREE" Request for Payment Aging & Real-Time Payments Bank Reconciliation – with all merchants process with us.
Each Payee can assign a Merchant ID (MID) to an alias (email or mobile). This:
- Tracks payments across departments
- Reconciles transactions by division, product, or location
- Enables granular data hygiene and auditing
- Improves overall transaction transparency and control
Alias-based MIDs provide layered visibility within real-time payment orchestration systems.
Request for Payment (RfP™) Parameters, Attributes, Benefits, and Features
Key Parameters
- Rails Supported: RTP®, FedNow®, ACH, BNPL, Cards
- Invoicing Channels: Mobile, SMS, Email, QRC
- Payer/Payee Identity: Alias (email/phone) or direct credentials
- ISO Format: ISO 20022 XML (pain.013 / pain.014)
- Message Capacity: 145-character unstructured message
- Destination: Hosted Payments Page
Core Attributes
- Alias naming instead of routing/account numbers
- MID mapping to mobile or email identifiers
- Support for single, batch, or recurring RfP™
- Return code monitoring and retry logic
- ISO 20022-enriched data transmission
Top Benefits
- Reduced exposure to account/routing data
- Faster settlement of “good funds” with irrevocability
- 24/7 transaction processing via RTP®
- Optimized reconciliation using alias-based tagging
- QR code and text-to-pay enabled for P2P, B2B, and C2B
Key Features
- Hosted Payments Page for customer-controlled payment timing
- POS, MOTO, and eCommerce integrations
- Variable Recurring Payments (VRP)
- Batch uploads using XML, Excel, JSON
- Cross-institutional compatibility with banks and credit unions
Minimum ISO 20022 Fields for a Valid Request for Payment (RfP™)
|
Field |
Description |
|
<MsgId> |
Unique RfP™ message identifier |
|
<CreDtTm> |
Message creation timestamp |
|
<Dbtr> |
Debtor (Payer) alias or credential |
|
<Cdtr> |
Creditor (Payee) alias or MID |
|
<CdtrAcct> |
Alias or mapped account |
|
<ReqdExctnDt> |
Requested execution time |
|
<PmtInfId> |
Payment instruction ID for batch or recurring groupings |
|
<Ustrd> |
Unstructured 145-character message (invoice/memo) |
|
<RmtInf> |
Structured remittance info (optional) |
|
<RltdRmtInf> |
Related invoice ID or reference |
Ask us How:
RTP® real-time payments using alias-based Request for Payment (RfP™) allow merchants to collect funds instantly without ever handling a customer’s routing or account number. By issuing invoices via email, SMS, or QR code, and linking to a Hosted Payments Page, businesses give their customers full control over how and when to complete the transaction.
These transactions are enriched with ISO 20022 XML, enabling up to 145 characters of unstructured remittance data, perfect for including invoice numbers, PO references, or payment memos. Alias identifiers improve security and customer experience, while also enabling enhanced reporting and reconciliation.
Merchants can also issue recurring RfP™ requests, upload batch transactions, and assign alias-based MIDs to streamline payment tracking across multiple departments or product lines. Whether your business uses A2A, B2B, or C2B payment flows, alias-powered RTP® ensures instant, reliable cash delivery with full traceability.
Conclusion: Secure Real-Time Alias Payments—Only at TodayPayments.com
Say goodbye to outdated ACH delays and account-number risk.
At TodayPayments.com, we give your business:
- Alias-based invoicing via SMS, email, or QR code
- Real-time RTP® payments with ISO 20022 messaging
- Secure Hosted Payments Pages with embedded remittance data
- MID assignment by email or mobile for multi-account reconciliation
- Full compatibility with QuickBooks®, ERPs, and banks
Power your payments with the alias advantage. Start accepting RfP™-driven real-time payments across every channel and customer type.
👉 Visit TodayPayments.com to schedule a demo today and streamline your collections with alias-based RTP®.
Creation Request for Payment Bank File
Enhance Your FedNow® Alias-Based Real-Time Payments 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 "Your Website" - Hosted Payments Page 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
