Request for Payment (RfP) Real-Time – FedNow®, RTP®, & Same-Day ACH Solutions
How to Integrate RfP Solutions into Your Payment Processing System
Real-Time instant payments, are defined simply as: Irrevocably collected funds in a bank account and usable immediately by the owner (Payee) of the account. Our "Good Funds" payment gateway allows for instant real-time digital payments that are
immediate, certainty, irrevocable, intra-bank and/or interbank
account-to-account (A2A) transfers that utilize a real-time messaging
system connected to every transaction participant through all U.S.-based financial institutions.
Automating RfP for One-Time & Batch Processing of Credits & Debits
Request for Payment (RfP) Solution – FedNow®, RTP®, & Same-Day ACH for Digital Transactions
What is a Request for Payment (RfP) Solution?
A Request for Payment (RfP) Solution enables businesses, financial institutions, and individuals to send real-time digital payment requests using FedNow®, RTP® (Real-Time Payments), and Same-Day ACH. This payment innovation allows one-time or batch processing of credits and debits, giving payers the flexibility to respond instantly to invoices and bills via digital invoicing, smartphones, email, text messaging, and secure hyperlinks.
Key Features of a Request for Payment (RfP) Solution
- Instant Credits & Debits – Process real-time or batch transactions securely.
- FedNow®, RTP®, & Same-Day ACH Integration – Supports multiple real-time payment networks.
- Digital Invoicing & Smart Payment Links – Send requests via email, SMS, and secure hyperlinks.
- One-Time & Recurring Payment Requests – Ideal for vendors, payroll, and recurring bills.
- 24/7/365 Availability – No waiting for banking hours, weekends, or holidays.
- Enhanced Security & Compliance – Built-in fraud prevention and encryption.
Benefits of Using an RfP Solution for Real-Time Credits & Debits
- Faster Invoice Payments – Payers can respond instantly with real-time push payments.
- Improved Cash Flow Management – Eliminate payment delays and reduce outstanding balances.
- Lower Transaction Costs – More cost-effective than credit card processing or wire transfers.
- Seamless Business & Consumer Payments – Supports B2B, B2C, and P2P transactions.
- Automated Payment Tracking & Reconciliation – Instant confirmations for efficient financial management.
How to Use an RfP Solution for One-Time & Batch Payments
- Integrate with an RfP-enabled bank or payment processor supporting FedNow®, RTP®, and Same-Day ACH.
- Send digital payment requests via email, text message, or a mobile app with a secure payment link.
- Payers initiate payments with a single click, selecting either a one-time payment or a scheduled batch.
- Receive real-time credit or debit payments, and automatically update your accounting system.
Industries Benefiting from RfP Solutions with Digital Invoicing & Batch Payments
- Retail & E-commerce – Process customer payments and refunds in real time.
- Payroll & Gig Economy – Pay employees and contractors instantly.
- B2B & Supplier Payments – Faster invoice processing with automated batch transactions.
- Healthcare & Insurance – Streamline provider reimbursements and claim disbursements.
- Utility & Subscription Services – Simplify recurring bill payments and collections.
Why Choose a Request for Payment (RfP) Solution for Instant Credits & Debits?
An RfP Solution powered by FedNow®, RTP®, and Same-Day ACH transforms how businesses and consumers manage payments, ensuring instant, secure, and automated transactions. Whether processing one-time or batch payments, this solution delivers faster settlements, lower costs, and enhanced digital invoicing with smartphone and email payment requests.
Upgrade your payment processing with an RfP Solution today and experience real-time financial transactions! 🚀
Creation Request for Payment Bank File
Call us, the .csv and or .xml 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 data for completed 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. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.
Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.
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
