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Real-Time Payments Gateway


Recurring Instant Payments Using Request for Payment (RfP™)

To empower businesses and merchants to automate recurring collections using Request for Payment (RfP™), alias-based invoicing, and real-time payment rails like FedNow® and RTP®, ensuring instant settlement and cash flow certainty through every channel.

TodayPayments.com is the all-in-one real-time payments platform that allows merchants to send recurring, alias-based Request for Payments (RfP™) via mobile, text, email, or QR code—and receive instant good funds via FedNow®, RTP®, ACH, Cards, or BNPL. With ISO 20022-ready batch tools, hosted payment pages, and variable billing logic, we help businesses collect one-time or recurring payments faster, smarter, and with 100% payer flexibility.

 

What is Recurring Instant Payments

Recurring billing can often feel like chasing a moving target—late payments, declined cards, and delayed ACH transfers create gaps in cash flow. But with Recurring Instant Payments powered by Request for Payment (RfP™) and real-time rails like FedNow® and RTP®, you can collect good funds from customers in seconds, not days.

By using alias identifiers (like mobile numbers or email addresses) and delivering digital invoices via SMS, email, or QR codes, businesses enable customers to pay on their own terms, securely and instantly, through a hosted payment page.

What Makes RfP™ the Smart Choice for Recurring Real-Time Payments?

Alias-First, Real-Time Invoicing

With Request for Payment (RfP™), merchants no longer need to collect or store sensitive routing/account numbers. Instead, they send invoices using:

  • Mobile Numbers
  • Email Addresses
  • Customer Tokens
  • QR Codes (QRC)

Payers are routed to a branded hosted payment page, where they can complete payments using FedNow®, RTP®, ACH, Credit/Debit Cards, or BNPL options.

Recurring Instant Payments for your business using Real-Time Payments

Itemized Request for Payment (RfP™) Parameters, Attributes, Benefits, and Features

Parameters

Parameter

Description

Rail Support

FedNow®, RTP®, ACH, Cards, BNPL, Customer Financing

Invoice Delivery

SMS, Email, QR Code (QRC), Mobile Link

Identity Format

Alias (email, phone number, token)

Transaction Types

A2A, B2B, C2B – Single, Batch, or Recurring

Settlement Speed

Real-Time (sub-15 seconds), 24/7/365

Data Format

ISO 20022, .XML, JSON, Excel

Destination

Hosted Payments Page with payer-controlled settlement

Attributes

  • Alias-Based Security: No need to store sensitive banking credentials
  • Variable Recurring Logic: Supports changing invoice amounts over time
  • Hosted Payment Experience: Secure, branded, device-agnostic checkout
  • Multi-Rail Compatibility: FedNow®, RTP®, ACH, BNPL, and cards all supported
  • ISO 20022 Compliant: Full message metadata for rich data remittance

Benefits

  • Get Paid Instantly: Stop waiting days for ACH or card settlement
  • Reduce Risk: FedNow® and RTP® payments are irrevocable, ensuring good funds
  • Improve UX: Let customers pay using their preferred method and device
  • Lower Costs: Avoid high interchange fees with A2A rails
  • Simplify Batch Management: Use ISO 20022-compatible file uploads to process thousands of recurring transactions
  • Gain Control: Merchants decide billing cadence while customers choose payment timing

Features

  • Real-time RfP™ tracking dashboard with aging reports
  • QR Code generator for POS or printed invoices
  • Hosted Payments Page builder with white-label styling
  • Batch file uploader (.XML, Excel, JSON) with mapping engine
  • Recurring engine with smart variable logic
  • Mobile-optimized links for invoice requests
  • Developer-friendly API for ERP/CRM integration

Use Cases for Recurring Real-Time RfP™ Payments

  • SaaS & Subscriptions: Bill customers monthly with instant FedNow® or RTP® debit
  • Healthcare: Set up auto-debit co-pays with QR code invoices
  • Home Services: Recurring on-site service billing delivered via SMS or QR
  • Ecommerce & Memberships: Auto-renew orders or subscriptions via alias RfP™
  • B2B Retainer Billing: Batch upload invoices monthly and receive immediate settlement
  • Utilities & Telecom: Collect payments through mobile-friendly, automated invoicing

When utilizing Real-Time Payments services for "Recurring Instant Payments" with a focus on payers' good credit and "Standing Approval," several attributes come into play to ensure a seamless and efficient payment process. Here are the key attributes:

  1. Creditworthiness Assessment Integration:
    • Integrate credit assessment tools or services within the Real-Time Payments platform to evaluate the creditworthiness of payers. This integration enables the platform to assess the payer's credit history and determine their eligibility for standing approval.
  1. Automated Authorization Process:
    • Implement an automated authorization process within the Real-Time Payments platform that allows payers with good credit standing to provide standing approval for recurring instant payments. This process should be seamless and user-friendly, allowing payers to set up authorization with minimal effort.
  1. Authorization Parameters Configuration:
    • Enable configurable authorization parameters within the Real-Time Payments platform, allowing payers to define the frequency, amount, start date, and duration of recurring instant payments based on their preferences and financial capabilities.
  1. Transparent Terms and Conditions:
    • Clearly communicate the terms and conditions associated with standing approval for recurring instant payments within the Real-Time Payments platform. Provide payers with comprehensive information regarding fees, payment schedules, and cancellation policies to ensure transparency and informed decision-making.
  1. Secure Payment Processing:
    • Ensure secure payment processing within the Real-Time Payments platform, incorporating robust encryption, authentication, and compliance measures to protect sensitive financial data and prevent fraudulent activities.
  1. Real-Time Transaction Execution:
    • Enable real-time transaction execution capabilities within the Real-Time Payments platform, allowing authorized recurring instant payments to be processed instantly without delays or interruptions.
  1. Error Handling and Dispute Resolution:
    • Implement effective error handling and dispute resolution mechanisms within the Real-Time Payments platform to address any issues that may arise during payment processing. Provide payers with options to report errors and disputes and facilitate prompt resolution.
  1. Notification and Confirmation Features:
    • Incorporate notification and confirmation features within the Real-Time Payments platform to keep payers informed about the status of recurring instant payments. Send real-time notifications and confirmations for each successful transaction to enhance transparency and accountability.
  1. Dedicated Customer Support:
    • Offer dedicated customer support services within the Real-Time Payments platform to assist payers with setting up, managing, and troubleshooting recurring instant payments. Provide timely assistance and guidance to address any concerns or inquiries effectively.

By leveraging these attributes within Real-Time Payments services for "Recurring Instant Payments" with a focus on payers' good credit and standing approval, businesses can streamline payment processes, enhance user experience, and mitigate risks associated with payment defaults or fraud.

Recurring Billing Should Be Instant—Now It Is

Imagine sending a recurring invoice by email or text… and getting irrevocable funds deposited to your account seconds later.

With TodayPayments.com, you can:

  • Deliver alias-based Request for Payments (RfP™) over mobile, SMS, or QR
  • Use FedNow® or RTP® to receive real-time, good-funds payments
  • Automate your recurring billing workflow with ISO 20022 support
  • Collect payments from POS, MOTO, ecommerce, or subscription portals
  • Give payers full control over how and when they complete payment

Say goodbye to delays, declined cards, and ACH slowdowns.

👉 Start using Recurring Instant Payments with Request for Payment (RfP™) at https://www.TodayPayments.com

Instant Funds. Recurring Certainty. Automated Payments.™

 

Creation Request for Payment Bank File

Call us, the .csv and or .xml Real-Time Payments (RTP) 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.

Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.

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