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


Recurring Invoices with Variable Amounts Using Request for Payments (RfPs)

To empower merchants, platforms, and service providers with secure, instant, and automated billing using Recurring Request for Payments (RfPs) through real-time A2A debit rails like FedNow® and RTP®, ensuring timely, irrevocable good funds with every transaction.

TodayPayments.com is the fintech engine powering real-time recurring invoice automation. By harnessing FedNow® and RTP®, we make "Set It and Forget It" autopay a reality. Eliminate payment delays, reduce chargebacks, and collect funds instantly—every time. Whether you're billing consumers or businesses, TodayPayments.com delivers Good Funds. Fast. Irrevocable. On Repeat.

Real-Time A2A Debit Transactions with FedNow® and RTP®

In the fast-moving world of digital commerce, automation and immediacy are key. Merchants can no longer rely on paper invoices or late credit card payments. Instead, real-time recurring billing using variable-amount Requests for Payments (RfPs) over FedNow® and RTP® rails is revolutionizing how businesses get paid. These next-gen A2A (account-to-account) transactions mean good funds in your account—instantly, irrevocably, and on schedule.

Today's real-time payment rails—FedNow® and RTP®—offer the ideal infrastructure for recurring billing with variable invoice amounts. Instead of relying on credit cards or manual ACH, merchants can now request payment directly from the customer's financial institution using Request for Payment (RfP™) messages.

  • A2A debit payments mean no card networks, no intermediaries, no delay.
  • Funds are irrevocably collected into the merchant account.
  • Requests for Payment trigger via SMS, email, or secure hosted payment links.
  • Digital Invoices with QR Codes support mobile-first interactions.

Set It and Forget It: The Power of Autopay via RfP™

With a standing authorization, customers can opt in to automatically pay future invoices as soon as they’re issued. This means:

  • No manual approvals required for each RfP
  • Consumer confidence in consistent, on-time payments
  • Merchants receive on-time good funds, every cycle

Perfect for utilities, subscriptions, insurance, healthcare, delivery services, and any merchant seeking zero-friction recurring billing.

Batching & Recurring Invoices with Instant Settlement

FedNow® and RTP® support batch-initiated RfPs, enabling merchants to:

  • Send hundreds or thousands of RfPs at once
  • Allow payers to choose autopay or one-time payment
  • Reconcile payments immediately through ISO 20022 structured data

Request for Payments (RfP™) - Parameters, Attributes, Benefits, and Features

Category

Details

Transaction Type

A2A (Account-to-Account) Debit

Rails Supported

FedNow®, RTP®

Settlement Speed

Real-Time

Funds Availability

Immediate, Irrevocable

Invoice Model

Recurring + Variable Amounts

Billing Triggers

Mobile, Email, SMS, QR Code

Standing Approval (Autopay)

Yes – One-time authorization

Customer Segments

C2B, B2B

Security & Compliance

ISO 20022 + Bank-Level Encryption

Merchant Use Cases

Subscription Billing, Utilities, Insurance, Healthcare, Delivery Apps, Software Licenses, Memberships

Key Features:

  • Good Funds Guarantee: Collected funds are available instantly and can't be reversed.
  • Standing Authorization: One-time approval for ongoing RfPs = "Set it and forget it."
  • Variable Billing Support: Perfect for usage-based and dynamic pricing models.
  • Hosted Payment Page: Fully branded pages hosted via TodayPayments.com
  • Alias Support: No need to enter routing or account numbers—email and phone number-based aliasing simplifies the experience.

Ask us How:

  • Enable “set it and forget it” recurring billing with FedNow® and RTP® autopay RfPs.
  • Use real-time account-to-account (A2A) payments to eliminate credit card fees and delays.
  • Empower your business with Recurring Invoicing for Variable Amounts via RfP™, SMS, Email, and QR Codes.
  • Collect real-time payments with instant settlement and irrevocable good funds using ISO 20022 structured messaging.
  • Automate recurring payment requests for utilities, subscriptions, insurance, and digital services.

Automating the payment process for recurring invoices, now termed "Request for Payment" (RFP), from payers to payees, utilizing texting, email, or digital communication for ACH, credit cards, FedNow, and RTP Real-Time Payments, involves setting up systems and processes that streamline the entire transaction. Here's a step-by-step guide:

  1. Request for Payment (RFP) Creation:
    • Create recurring invoices or RFPs in your accounting software (such as QuickBooks) specifying the payment amount, frequency, and duration.
  1. Customer Enrollment:
    • Encourage customers to enroll in automated payments for their convenience. This involves obtaining their payment information and consent to automatically charge their accounts for recurring invoices.
  1. Communication Channels:
    • Utilize texting, email, or digital communication platforms to send RFP notifications to customers. Include a link or button for customers to authorize automated payments directly from the communication.
  1. Payment Options:
    • Offer multiple payment options including ACH, credit cards, FedNow, and RTP Real-Time Payments. Ensure that your systems are capable of processing these payment methods securely and efficiently.
  1. Authorization and Consent:
    • Include clear instructions for customers to authorize automated payments by clicking a link or button provided in the RFP notification. Ensure compliance with regulations regarding customer consent for recurring payments.
  1. Payment Processing:
    • Once customers authorize automated payments, set up automated processes within your payment processing system to initiate transactions at the scheduled intervals specified in the RFP.
  1. ACH Setup:
    • For ACH payments, securely store customers' bank account information and set up automated ACH transfers according to the payment schedule.
  1. Credit Card Processing:
    • For credit card payments, securely store customers' credit card information and set up automated credit card charges according to the payment schedule.
  1. FedNow and RTP Integration:
    • Integrate with FedNow and RTP Real-Time Payments systems if available to facilitate instant payments. Ensure that your systems can handle real-time payment processing seamlessly.
  1. Confirmation and Receipts:
    • Send confirmation notifications or receipts to customers via email or text message once payments are successfully processed. Include details of the transaction and any relevant information.
  1. Reconciliation and Reporting:
    • Regularly reconcile automated payments received against the RFPs issued. Use reporting tools within your accounting software to track payment activity, outstanding balances, and overall financial performance.
  1. Customer Support:
    • Provide customer support services to assist customers with any issues related to automated payments, RFPs, or payment processing. Ensure that customers have access to support channels for assistance.

By implementing these steps and leveraging digital communication channels and automated payment processing systems, businesses can streamline the process of automatic recurring payments from payers to payees for RFPs, ensuring efficiency, accuracy, and convenience for all parties involved.

Recurring Invoicing into Real-Time Good Funds with TodayPayments.com

Stop chasing late payments and start collecting in real time. With TodayPayments.com, merchants can send Recurring Invoices with Variable Amounts, enable standing authorization autopay, and instantly receive funds into their account via FedNow® or RTP®.

Whether you run a billing platform, a healthcare service, or a SaaS company, TodayPayments.com gives you the tools to automate, scale, and secure your payments.

👉 Visit https://www.TodayPayments.com to start building your real-time recurring billing engine today.

 

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. ~ Call us now for all the Benefits: Pay FedNow, RTP, ACH, Credit Cards .html links!!
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.

Pricing with our Request For Payment Solutions

hand shake

 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 files 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 + 1.5% percentage on gross dollar file,


3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Recurring Invoices Request for Payments 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 Real-time Payments processing