FedNow & Real-Time
Payments
Solutions
Online integrated Origination, Sending, Receiving and Recordation of all Good Funds Transfers.
"All participants receive instant real-time electronic notifications. Use our online Payment Gateway interface or integrate your in-house system with our API"
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Cheap Real-Time Payments RTP
What is Cheap Real-Time Payments RTP
Cheap Real-Time Payments RTP and Real-Time instant payments, are defined simply as: Irrevocably collected funds in a bank account and usable immediately by the owner of the account. Our "Good Funds" payment gateway allows for instant real-time digital payments that are immediate, irrevocable, intra-bank and/or interbank, B2B, B2C and C2B account-to-account (A2A) transfers that utilize a real-time messaging system connected to every transaction participant through all U.S.-based financial institutions.
Cheap Real-Time Payments RTP for your business using Real-Time Payments
Today Payments is offering a service for merchants to process Real-Time Payments (RTP) at rates comparable to standard bank rates, potentially with no upfront costs and a surcharge per transaction. Real-Time Payments are becoming increasingly popular due to their speed and efficiency.
Key Attributes of Cheap Real-Time Payments (RTP):
- Instant Settlement: RTP allows for real-time transfers, meaning funds are available to the recipient immediately, 24/7.
- Competitive Pricing: Rates are advertised to be as low as standard bank rates, with the possibility of no base fees ($0 upfront), though surcharges might apply.
- Surcharge Model: While the base service may come with low or no fees, a surcharge may be applied per transaction, potentially passed on to customers.
- Continuous Availability: Unlike traditional payment methods that depend on banking hours, RTP operates 24/7/365, making payments more flexible.
- Bank Integration: RTP typically integrates seamlessly with major financial institutions and payment platforms, providing a broad network for instant payments.
Benefits for Merchants Using Cheap RTP:
- Faster Access to Funds: Merchants receive payments instantly, improving cash flow and liquidity compared to traditional ACH or credit card payments, which can take days to settle.
- Cost Efficiency: With rates as low as typical bank fees and potentially no upfront fees, RTP can be a cost-effective option for merchants, especially for high-ticket or high-volume transactions.
- Improved Customer Experience: Customers enjoy the convenience of real-time payments, reducing delays in payment processing and offering more immediate confirmation of transactions.
- Enhanced Payment Flexibility: The ability to make and receive payments at any time, even outside of normal banking hours, is a significant advantage for both merchants and customers.
- Security and Transparency: RTP payments are secure and provide real-time tracking, which enhances transaction transparency and reduces the risk of fraud.
In summary, "Today Payments" is offering merchants an opportunity to leverage Real-Time Payments with low fees and flexible surcharges. This service would be particularly beneficial for businesses that need quick access to funds and want to offer their customers a fast, seamless payment experience.
Creation Request for Payment Bank File
Call us, the .csv and or .xml Real-Time Payments (RTP) 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.
... 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.
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% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Cheap Real-Time Payments RTP 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
