Real-Time Payments RTP® via SMS: Receive and Pay A2A, B2B, B2C, C2B
To equip businesses and consumers with real-time financial agility by offering Instant Text Payments powered by RTP®, ISO 20022-compliant messaging, and seamless integration with Elavon and QuickBooks®—delivering instant settlement and unmatched payment certainty across all transaction types.
TodayPayments.com positions itself as a nation’s leading platform for real-time, mobile-first RTP® payment processing using SMS-based Request for Payment (RfP), ISO 20022 file format compatibility, and full QuickBooks® and Elavon integration. From A2A transfers to high-volume B2B settlements, we deliver scalable, automated solutions that guarantee speed, security, and good funds finality.
Enable Instant, Irrevocable RTP® Transactions Through Text Messaging
Unlock Instant RTP® Payments with SMS and Good Funds Certainty
In a mobile-first business world, instant payments are no longer optional—they’re essential. Real-Time Payments RTP® allows your business to send and receive secure A2A, B2B, B2C, and C2B payments in seconds. By pairing RTP® with Instant Text Payments, ISO 20022 messaging, and full QuickBooks® integration, we bring you a solution that not only accelerates cash flow but also automates reconciliation and reduces payment friction—whether online, in-store, or on the go.
With ISO 20022 Messaging, Elavon Gateway & QuickBooks® Integration
Elavon Gateway & Shopping Cart Compatibility
- Shopping Carts: Shopify, WooCommerce, Magento, BigCommerce, see more
- POS Terminals: In-person card readers and mobile readers supported by Elavon
- Hosted Payment Pages: Accept RTP®, credit cards, and mobile wallets through secure, branded interfaces
- API Integration: Connect Elavon gateway with QBO, mobile apps, and custom invoicing systems
RTP® Parameters, Attributes, Benefits and Features
Key Parameters
- Payment Rail: RTP® (Real-Time Payments Network)
- Transaction Types: A2A, B2B, B2C, C2B
- Initiation Method: SMS via Instant Text Payments (Request for Payment - RfP)
- Messaging Standard: ISO 20022 Rich Data Messaging
- File Formats Supported: Excel, .XML, JSON
- Platforms: Mobile, Invoicing Portals, POS, QuickBooks® QBO
- Settlement Speed: Real-time with good funds finality
- Integration Partners: Elavon, QuickBooks®, Good Funds Gateway
Attributes
✅ Real-Time RTP® via Instant Text Payments
“Real-Time Payments RTP® to Receive and Pay A2A, B2B, B2C, C2B using Instant Text Payments enables businesses and consumers to send and receive secure RTP® transactions via SMS with real-time settlement, streamlining mobile payments across all transaction types.”
✅ ISO 20022 Batch Uploads for Financial Institutions
“TodayPayments.com allows businesses to upload RTP® payment files using ISO 20022 message specifications in Excel, XML, or JSON formats—compatible with all U.S. banks and credit unions for secure, high-volume processing.”
✅ Request for Payment (RfP) with Instant Mobile Engagement
“Using RfP, merchants can send secure SMS-based payment requests linked directly to RTP® rails, giving customers a frictionless, mobile-first experience while ensuring instant, irrevocable funds are delivered.”
✅ QBO QuickBooks® Integration for AR Automation
“Our RTP® + QBO integration posts payments directly to receivables ledgers in QuickBooks®, ensuring automated reconciliation, zero delays, and full visibility into every payment cycle.”
✅ Multi-Rail Payment Gateway with Elavon
“Leverage Elavon’s hosted gateway to accept credit cards, mobile wallets, and RTP® payments through one interface—online, in-person, or on the go.”
Benefits
- “RTP® Request for Payment over SMS provides businesses with an instant, secure, and mobile-friendly method to receive good funds with no chargebacks or delays.”
- “Batch upload RTP® files in ISO 20022 format (Excel, XML, JSON) for one-time or recurring B2B, A2A, and C2B real-time transactions across any U.S. financial institution.”
- “With QuickBooks® QBO integration, real-time RTP® settlements automatically match open invoices, helping businesses reduce Days Sales Outstanding (DSO) and streamline cash flow.”
- “TodayPayments.com enables secure real-time RTP® payments via SMS, combining Elavon’s PCI-compliant infrastructure with certified good funds processing.”
- “Real-time invoicing, digital mobile settlements, and secure B2B transfers are now possible in seconds with our RTP® + Instant Text Payment platform.”
Real-Time Payments, Mobile Simplicity, and Automated Accounting
Imagine sending a payment request via SMS and receiving real-time funds, already reconciled in QuickBooks®, in seconds.
That’s the power of RTP® through Instant Text Payments, brought to you by TodayPayments.com. Whether you’re a startup, a medical provider, a retail business, or a high-volume B2B merchant, our platform gives you the real-time control, security, and automation your growing business demands.
✅ Accept instant RTP®
payments
✅ Automate QuickBooks®
integration
✅ Use ISO 20022-compliant batch
uploads
✅ Trust Elavon for multi-rail
gateway reliability
👉 Visit https://www.TodayPayments.com to activate RTP® SMS Payments and start accepting instant, mobile-driven, and fully reconciled good funds today.
Creation Request for Payment Bank File
Enhance Your Instant Text Payments Payment 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 Instant 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 Instant Text Payments payment processing pricing
