Instant Recurring Payment

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Real-Time Payments Gateway


FedNow® Instant Recurring Payments to Receive and Pay Variable Amounts via Alias Routing

TodayPayments.com empowers organizations with recurring real-time FedNow® payment tools that automate variable billing cycles using alias-based payment requests—delivering guaranteed settlement, secure fund transfer, and modern cash flow automation.

TodayPayments.com is positioned as the leading platform for alias-based recurring FedNow® payments, supporting high-frequency billing with ISO 20022 compliance, batch processing, and instant settlement. We help businesses, banks, and platforms deploy real-time billing cycles that work across A2A, B2B, B2C, and C2B use cases with zero chargebacks and unmatched certainty.

Automating Real-Time Billing for Every Payment Flow

FedNow® Instant Recurring Payment Invoicing delays and manual billing cycles cost businesses time and revenue. With FedNow® Instant Recurring Payments, companies can automate billing schedules, send real-time payment requests, and process variable recurring payments using alias-based identifiers like mobile numbers or email addresses.

This powerful solution supports A2A, B2B, B2C, and C2B transactions—enabling businesses to receive guaranteed, real-time funds across all transaction types. Built on ISO 20022 standards, the system allows batch uploads and mobile delivery, combining speed, certainty, and security.

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Instant Recurring Payment to Receive and Pay Variable Amounts FedNow® A2A, B2B, B2C, C2B automates secure, real-time billing cycles, enabling businesses and consumers to schedule and complete FedNow® payments using an Alias name for Payer and Payee instantly across all transaction types with guaranteed settlement.

This capability is ideal for businesses processing monthly memberships, metered utilities, insurance premiums, or contractor payments. Alias routing simplifies recurring billing by allowing users to link payments to an email, phone number, or customer ID—eliminating the need to store sensitive account data.

TodayPayments.com supports bulk uploads of recurring payments in Excel, XML, or JSON, tagged with ISO 20022 fields to ensure audit compliance, fast reconciliation, and intelligent tracking. Each payment is finalized in seconds with no possibility of reversal, enabling predictable and secure real-time revenue collection.

Request for Payment (RfP) features can also be used to prompt customers to approve recurring payments on mobile devices. With alias-based prompts and ISO data attached, the transaction is seamlessly processed and settled—ensuring payees receive funds in real time, with full transparency.

FedNow® Parameters

  • ✅ Network: FedNow® by the Federal Reserve
  • ✅ Settlement Speed: Under 10 seconds
  • ✅ Availability: 24/7/365
  • ✅ Transaction Types: A2A, B2B, B2C, C2B
  • ✅ Recurring Model: Variable amount support
  • ✅ Alias Support: Payer & Payee via email, phone, token
  • ✅ RfP Ready: Request for Payment triggered invoices
  • ✅ Message Format: ISO 20022
  • ✅ File Uploads: Excel, XML, JSON

Core Attributes

  • Automated recurring billing with variable amounts
  • Alias-based payment identifiers for privacy and ease
  • Instant settlement and 24/7 fund availability
  • Batch-upload support with structured ISO messages
  • RfP delivery via mobile, text, or email
  • Fraud-resistant, push-only credit transactions

FedNow® Benefits

  • Automate recurring payments for subscriptions, utilities, or payroll
  • Use aliases for payers and payees—no account number required
  • Final settlement with no reversals or chargebacks
  • Track invoices using ISO 20022 fields like Invoice ID and Purpose Codes
  • Accelerate cash flow with real-time billing
  • Integrate with accounting software, ERPs, and mobile apps

FedNow® Features

  • ✅ One-time and recurring payments via alias
  • ✅ Supports variable billing (different amounts per cycle)
  • ✅ ISO 20022 data for reconciliation and compliance
  • ✅ Digital invoicing via Request for Payment (RfP)
  • ✅ Mobile-optimized alias delivery via SMS or email
  • ✅ Upload transactions in Excel, .XML, JSON formats

Tired of chasing payments or waiting days for settlement? With TodayPayments.com’s Instant Recurring Payment Solutions, your business can automate collections using alias-based real-time FedNow® rails—with ISO compliance, batch capability, and guaranteed fund delivery.

✅ Automate recurring A2A, B2B, B2C, and C2B flows
✅ Alias-based routing for secure invoice delivery
✅ Upload Excel, XML, or JSON batch files
✅ ISO 20022 reconciliation and full transaction metadata
✅ Trigger RfP via text, mobile, or email
✅ Receive good funds—instantly and irrevocably

🚀 Visit https://www.TodayPayments.com today to launch your FedNow® Instant Recurring Billing Engine and collect with confidence.

 

Creation Request for Payment Bank File

Enhance Your Instant Recurring Payment 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.

Request for Payment



... 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.


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