Request for Payment (RfP™) Invoicing for Mobile, Email, SMS & QR

Request for Payment (RfP) from Payee to Payers: Faster & More Secure Transactions

Get Paid in Real-Time with FedNow® & RTP®—No Delays, No Guesswork

Traditional invoicing methods—paper checks, delayed ACH, or credit card processing—add friction to your receivables. That’s why Request for Payment (RfP™) is transforming how merchants get paid. With RfP™ invoicing, you send structured payment requests through SMS, email, mobile links, or QR codes, allowing customers to pay instantly, 24/7, through FedNow® and RTP® rails.

This next-gen solution provides real-time payment confirmations, automatic ledger updates, and compliance with ISO 20022 international standards—with zero coding required.

Request for Payment (RfP) enables businesses, service providers, and merchants (payees) to send real-time payment requests to customers or clients (payers) for instant fund transfers. Unlike traditional invoicing or manual payment reminders, RfP streamlines the payment collection process, reducing delays and ensuring immediate cash flow. With RfP, payers receive a secure request through their bank or digital platform, allowing them to approve and complete the transaction instantly with a single click.

By integrating Request for Payment (RfP) into billing systems like QuickBooks® QBO, banks, or digital wallets, businesses can automate recurring payments, eliminate chargebacks, and improve accounts receivable management. This payment method is perfect for subscription services, rent collection, utility bills, and B2B transactions, offering a fast, reliable, and cost-effective alternative to credit cards and ACH transfers. Start using RfP today to simplify payment requests and ensure faster settlements!

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 account-to-account (A2A) transfers that utilize a real-time messaging system connected to every transaction participant through all U.S.-based financial institutions. Funds are available for use by the receiver and real-time confirmation is provided to both you ("the sender") and receiver in seconds. Most Good Funds transactions are "Credit Push" versus "Debit Pull."

Alias-Based Payments Hosted Pages & ISO 20022 Compliance Built-In

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

Key Parameters (ISO 20022-Compliant Fields)

ISO Field	Purpose
MsgId	Unique identifier for each RfP™ message
CreDtTm	Timestamp of the request creation
ReqdExctnDt	Requested settlement or due date
Dbtr	Customer (payer) details
DbtrAcct	Payer alias (email, mobile, or account reference)
Cdtr	Merchant (payee) details
CdtrAcct	Receiving account or alias-based Merchant ID (MID)
Amt	Payment amount requested
RltdRmtInf	Invoice number or billing reference
Ustrd	Optional unstructured remittance note
RgltryRptg	Optional field for regulatory or tax-related data

Attributes

• Alias-based payments using mobile/email—no routing/account required
• Real-time settlement via FedNow® and RTP® networks
• No-code hosted payment page included in every RfP™
• Mobile, SMS, email, and QR compatibility
• ISO 20022-compliant formatting for global banking compatibility
• Auto-posted to AR ledger with instant reconciliation
• Multiple merchant accounts/divisions using alias-based MIDs
• C2B, B2B, and recurring billing support

Key Features & Benefits for Payees

✅ Payee-Initiated Request for Payments (RfP™)

Merchants can send RfPs using hosted links delivered through email, text, or mobile. Customers receive secure, branded links to fulfill payments instantly with no extra setup.

✅ FedNow® & RTP® Network Compatibility

RfP™s are processed across the most advanced U.S. real-time payment networks, ensuring 24/7/365 settlement and guaranteed good funds—no delays or reversals.

✅ Alias-Based MID Assignment

Payees can assign merchant IDs based on aliases (mobile/email), enabling improved tracking, security, and reconciliation across divisions, brands, or business units.

✅ Hosted Payment Pages Built-In

Each RfP™ includes a secure, mobile-friendly hosted page—no developer work needed. Accept payments from any device, anywhere.

✅ Automatic Reconciliation & Real-Time Tracking

As payments clear, the system instantly updates the accounts receivable ledger, confirms payment receipt, and sends status updates—cutting manual AR labor and reducing DSO.

✅ Recurring “Set It and Forget It” RfP™ Autopay

Payers can authorize standing approvals for recurring billing via RTP®. Merchants can collect repeat payments automatically with no additional payer review—ideal for utilities, memberships, SaaS, and loans.

Ask us How:

Request for Payment (RfP™) invoicing is the future of B2B and C2B collections. It enables merchants to send secure, real-time payment requests via email, mobile, SMS, or QR, and get paid instantly using FedNow® or RTP®. With alias-based merchant accounts, no account or routing numbers are exchanged—just secure, ISO 20022-compliant transactions.

Each RfP™ comes with a built-in hosted payment page, meaning businesses don't need developers or third-party plugins to go live. It’s ideal for QuickBooks® users, SMS-based service providers, mobile-first businesses, or any merchant that needs to reduce aging receivables and eliminate chargebacks.

Automatic reconciliation tools log and track payment status as funds are received. This enables AR teams to spend less time chasing down invoices and more time growing revenue. Whether you send one-time or recurring RfPs, TodayPayments.com ensures you get paid fast—and with certainty.

"Set It and Forget It" RTP® Recurring Billing (Standing Authorization)

RTP® debit supports pre-authorized Request for Payment (RfP™) agreements. This means customers can authorize their bank to automatically pay future RfPs without needing to approve each transaction manually.

• Ideal for recurring billing: SaaS, utilities, tuition, healthcare
• One-time payer authorization eliminates future approval steps
• 24/7 availability and instant irrevocable funding
• Payments triggered by invoice, SMS, email, or calendar date
• Full transparency and audit trail through ISO 20022 message tracking

RfP FedNow Request For Payment is a real-time payment system in the US that allows users to send and receive payments instantly. As a mobile merchant, you can use RfP FedNow Request For Payment to bill your customers and receive instant payments. Here are the steps to use RfP FedNow Request For Payment as a mobile merchant:

Enroll in the RfP FedNow Request For Payment service with your bank or financial institution. This will involve providing your business information and agreeing to the terms and conditions of the service.

Once enrolled, you can generate payment requests or bills for your customers using your mobile device or a billing software that is integrated with the RfP FedNow Request For Payment service.

The payment request or bill will include information such as the payment amount, the due date, and the invoice details. You can also include a link or a QR code in the bill, which will allow your customers to easily pay the bill using their own mobile devices.

Once the payment request or bill is sent, your customer will receive a notification on their mobile device with the details of the payment request. They can then review the details and make the payment instantly using their own mobile device.

Once the payment is made, you will receive a notification confirming the payment, and the funds will be deposited into your account instantly through the RfP FedNow Request For Payment system.

Overall, using RfP FedNow Request For Payment as a mobile merchant can provide an efficient and convenient way to bill your customers and receive instant payments. However, it's important to ensure that you are enrolled in the service and that you follow the specific procedures and requirements of your bank or financial institution for using the service.

Salesy Conclusion: Real-Time Invoicing. Real-Time Cash. No Code Required.

Tired of slow payments and aging receivables?

With RfP™ invoicing by TodayPayments.com, your business can:

• Send secure payment links via email, SMS, QR, or QuickBooks®
• Accept instant real-time payments 24/7 through FedNow® and RTP®
• Gain full ISO 20022 compliance—zero coding or technical lift
• Auto-reconcile payments and update your AR ledger instantly
• Activate “Set It and Forget It” recurring billing with standing payer approval
• Enjoy alias-based security, mobile optimization, and instant reporting
• Eliminate chargebacks, delays, and manual collection headaches

Start collecting better, faster, and smarter. Visit TodayPayments.com and revolutionize your receivables with Request for Payment (RfP™).

 

Features & Benefits

FedNow instant payments has benefits for all parties involved in Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000+ ~ FedNow, $10,000,000+ ~ RTP.
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.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
Software Integration: Integrate your 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."

Process with the Request For Payment Professionals