Instant Recurring Payment

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Real-Time Payments Gateway


Real-Time Payments RTP® Using Alias Name for Instant Recurring Variable Payments

TodayPayments.com is dedicated to enabling secure, automated, alias-based recurring RTP® payments across all transaction types—providing real-time cash flow, enhanced invoicing accuracy, and batch-ready ISO 20022 integration.

TodayPayments.com offers a fully integrated RTP® billing and transaction platform, supporting alias-based, variable recurring payments with real-time settlement, mobile invoicing, and ISO 20022 batch messaging. We help merchants, banks, fintechs, and enterprises modernize how they send, receive, and reconcile payments with security and speed.

 

Alias-Driven Automation for Real-Time Billing

Real-Time Payments RTP® using Alias Name for Variable Payments to Receive and Pay A2A, B2B, B2C, C2B using Instant Recurring Payment enables automated, secure, and real-time RTP® transactions with immediate settlement, allowing businesses and consumers to manage recurring payments seamlessly across all transaction types.

Managing recurring payments shouldn’t be a manual, error-prone process. With RTP® Instant Recurring Payments, businesses and consumers can schedule and process variable payment amounts using alias names, such as email addresses or mobile numbers, instead of traditional bank details. These payments settle instantly—with full ISO 20022 message support for reconciliation and compliance.

This system works seamlessly across A2A, B2B, B2C, and C2B flows, empowering organizations to automate subscriptions, invoicing, reimbursements, and other payment use cases—24/7/365, with good funds certainty.

Alias-Based RTP® for Seamless Recurring Payments

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Real-Time Payments RTP® using Alias Name for Variable Payments to Receive and Pay A2A, B2B, B2C, C2B using Instant Recurring Payment enables automated, secure, and real-time RTP® transactions with immediate settlement, allowing businesses and consumers to manage recurring payments seamlessly across all transaction types.

TodayPayments.com allows financial institutions and businesses to upload recurring RTP® transactions in Excel, XML, or JSON, enabling automated variable billing across use cases like payroll, healthcare claims, supplier payments, and customer subscriptions.

With alias routing, businesses no longer need to request or store sensitive bank account details. Instead, they initiate recurring RTP® transactions based on a verified email, phone number, or ID—fully tokenized and secure. These payments settle in real time with ISO 20022 fields such as invoice number, amount type, and payer alias.

Using Request for Payment (RfP) tools, businesses can automate mobile invoice delivery, allowing customers or vendors to approve payments in seconds. These alias-based RTP® transactions offer finality, speed, and full transparency—all while simplifying compliance and integration into ERP systems or banking platforms.

RTP® Parameters

  • Network: The Clearing House RTP®
  • Settlement Time: Instant (<15 seconds)
  • Transaction Support: A2A, B2B, B2C, C2B
  • Payment Model: Credit push only
  • Alias Routing: Mobile, Email, Token ID
  • Billing Mode: One-time & Recurring
  • Variability: Supports changing payment amounts
  • ISO Format: ISO 20022
  • Batch Formats: Excel, XML, JSON

RTP® Core Attributes

  • Alias-driven invoicing without exposing account numbers
  • Supports recurring billing with flexible, variable amounts
  • Mobile & API-first delivery via RfP
  • Full ISO 20022 structure for detailed reconciliation
  • Irrevocable payments with real-time confirmation
  • Bulk-upload and automated scheduling compatible

RTP® Business Benefits

  • Accelerate billing and collections with instant payments
  • Eliminate chargebacks through credit-push RTP® model
  • Simplify reconciliation with enriched ISO metadata
  • Reduce fraud risks by eliminating stored banking data
  • Enhance user experience with mobile-triggered payments
  • Improve compliance and auditability with structured messaging

RTP® Platform Features

  • Real-time recurring payment scheduling via alias routing
  • Support for dynamic amounts across payment cycles
  • Excel, .XML, JSON batch uploads for scale
  • Request for Payment (RfP) messaging for invoicing
  • Mobile and text-to-pay compatibility
  • Real-time status updates for each transaction

Get rid of the friction, and automate recurring payments with RTP®. TodayPayments.com lets your organization manage real-time variable transactions—using alias names and ISO 20022 data to power instant cash flow.

✅ Alias-to-alias RTP® for privacy and speed
✅ Real-time payments for A2A, B2B, B2C, C2B flows
✅ One-time or variable recurring amounts
✅ Upload Excel, XML, JSON for batch processing
✅ ISO 20022 fields for complete reconciliation
✅ Mobile-ready RfP invoicing and status tracking

Visit https://www.TodayPayments.com to activate RTP® Recurring Alias Payments and simplify how your business moves money.

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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