Request To Pay

Batch or One-Off Payments with Alias Support and ISO 20022 Messaging

Whether you’re billing thousands of customers or a single enterprise client, TodayPayments.com offers flexible file-based invoicing with ISO 20022-compliant Request for Payment (RfP) messaging.

Platform Capabilities:

• Upload batch files using .Excel, .XML, or .JSON
• Route transactions through FedNow®, RTP®, Same-Day ACH, or fallback to cards
• Use email addresses or phone numbers as alias IDs for payers and payees
• Enable push and pull payment logic
• Automatically verify identity using Confirmation of Payee
• Works across B2B, C2B, and A2A payment models

We provide real-time certainty for every transaction — with easy integration into your existing invoicing systems.

Digital Invoicing with Real-Time Payment Pages and Guaranteed Funds

Each Request to Pay can be sent with a secure .html link leading to a branded hosted payment page, allowing your customers to complete payments on any device.

Why Leading Businesses Choose TodayPayments.com:

• ✅ Alias-based invoicing (email, phone, or digital token)
• ✅ Confirmation of Payee for identity verification
• ✅ Instant credit with “Good Funds” via FedNow® or RTP®
• ✅ Digital invoice delivery via mobile, text, and email
• ✅ Batch or one-off processing with ISO 20022 messaging
• ✅ Unified payments via ACH, card, or real-time networks
• ✅ 24/7 enrollment and QuickBooks® QBO sync

From recurring SaaS payments to high-volume billing operations, we make it easy, fast, and secure.

Key Features of Request To Pay via ISO 20022

Structured ISO 20022 Messaging Format
All payment requests follow the international ISO 20022 standard, ensuring compatibility, regulatory alignment, and interoperability across payment networks.

Upload and Download Support for All Financial Institutions
Whether you are issuing RfPs to one customer or thousands, our system allows batch uploading, downloading, and status tracking—compatible with banks and credit unions across all 50 states.

Alias-Based MID Assignment for Payer Matching
Each payer is assigned a MID based on a phone number or email address. This allows for secure identity matching without needing to expose bank account data.

FedNow® and RTP® Real-Time Processing Integration
Your RfPs are fulfilled through the fastest available real-time rail—giving your business access to 24/7 payment collection.

Hosted Payment Pages Embedded in Every RfP
Send your RfPs with links to secure, branded payment pages—where customers can pay instantly using their preferred real-time method.

No Physical Bank Visit Required
Get started with Request To Pay entirely online. We are a U.S.-based accounting fintech processor, and we support onboarding for every business type without branch visits.

Why Choose TodayPayments.com for Request To Pay

1. Upload ISO 20022 RfPs to banks and credit unions across the U.S.
2. Download payment confirmations, reconciliation logs, and audit trails
3. Assign alias-based MIDs for hundreds of mobile/email payers
4. Trigger payment via FedNow® or RTP® with full real-time support
5. Automate AR reconciliation with QuickBooks® Online integration
6. Use for any merchant type: sole prop, LLC, S-Corp, or C-Corp
7. Process secure payments via SMS, email, mobile, or text-to-pay
8. Receive faster, confirmed payments—day or night, 365 days a year

"Request to Pay" (RTP) is a digital payment service that enables businesses and individuals to request payments from customers, clients, or other businesses in a structured and secure manner. It can be utilized in various scenarios like mobile texting, B2B (Business-to-Business), C2B (Consumer-to-Business), and online billing using digital invoicing. Here's a brief overview of how RTP can be integrated and utilized across these use cases:

1. Mobile Texting (P2P and C2B)

• Consumer-to-Business (C2B): Businesses can send an RTP via SMS to customers, allowing them to make payments directly from their mobile phones. The SMS can include a link to a secure payment portal where the customer can complete the transaction using preferred payment methods.
• Peer-to-Peer (P2P): Individuals can request payments from other individuals via SMS or messaging apps. For example, someone can send an RTP for a shared bill or rent to another person, who can then pay using a mobile wallet or banking app.

2. Business-to-Business (B2B)

• Invoicing: Companies can send digital invoices to other businesses with an integrated RTP option. This streamlines the payment process, as the recipient can review the invoice and make the payment from the same platform.
• Automated Workflows: RTP can be integrated into enterprise resource planning (ERP) systems, enabling businesses to automatically generate and send RTPs as part of their accounts receivable process.

3. Consumer-to-Business (C2B)

• Online Billing: Businesses can send digital invoices with an RTP link via email or other digital channels. Customers can review the invoice details and make the payment through a secure payment gateway.
• Recurring Payments: For subscription services, RTP can be used to send recurring payment requests, making it easy for customers to authorize and make payments for their subscriptions.

4. Online Billing Using Digital Invoicing

• Integration with Payment Gateways: Digital invoices can include an RTP link that directs payers to a secure payment page. This page can be customized to support various payment options, including credit cards, bank transfers, and digital wallets.
• Tracking and Reconciliation: Digital invoicing platforms can provide real-time tracking of RTPs, showing when they have been viewed, accepted, and paid. This helps in automating the reconciliation process.

Benefits of Request to Pay:

• Convenience: It simplifies the payment process for both the requester and the payer.
• Reduced Errors: Pre-populated payment information reduces the chances of errors.
• Faster Payments: Streamlined process leads to quicker payments.
• Flexibility: Supports various payment methods and can be adapted to multiple use cases.

Implementation Considerations:

1. Security: Ensure all RTP communications are encrypted and comply with financial regulations.
2. Integration: Seamlessly integrate RTP with existing billing, ERP, or CRM systems.
3. User Experience: Design RTP messages and interfaces to be user-friendly and clear.

Request to Pay is a versatile solution that can improve payment efficiency across different sectors and use cases.

Make Every Invoice Real-Time at TodayPayments.com

Tired of waiting for customers to pay? Move your invoices into real time with Request To Pay.

✅ Upload and send ISO 20022-compliant payment requests
✅ Get paid via FedNow® or RTP®—in seconds
✅ Assign secure alias-based MIDs for every customer
✅ Host payment pages with one-click pay functionality
✅ Sync with your accounting and reconcile instantly
✅ No paperwork, no delays—apply online 24/7

Start using Request To Pay now at https://www.TodayPayments.com
Request To Pay – Because Every Business Deserves Real-Time Invoicing.