Receive Instant Payments Using A2A Transactions with FedNow® and RTP®
To empower merchants, platforms, and service providers to receive instant, secure, and good-funds payments using real-time A2A transaction rails like RTP® and FedNow®, enhancing rebate programs, batch processing, recurring billing, and omni-channel transaction models across POS, MOTO, and ecommerce environments.
TodayPayments.com delivers the ultimate edge in real-time payment innovation by allowing merchants to receive instant payments via account-to-account (A2A) transactions using RTP® and FedNow® rails. Whether you're batching recurring invoices, offering lower sale prices for real-time payers, or automating ecommerce and MOTO settlements, we help you optimize cash flow, cut card fees, and settle with certainty. No delays. No guesswork. Just good funds—instantly.
What is Instant A2A Payments Are the New Standard
Merchants across industries are realizing that traditional payments—ACH, checks, and cards—are slow, expensive, and prone to chargebacks. In response, RTP® (Real-Time Payments) and FedNow® now offer real-time A2A payment capabilities with certified good funds that settle in seconds, not days.
Whether you’re a POS-based retailer, a remote service provider (MOTO), or an online merchant, real-time payments offer better pricing, faster cash flow, and reduced risk.
Receive Instant Payments with RTP® and FedNow®: A2A Is Built for Business
What Are A2A Transactions?
Account-to-Account (A2A) transactions transfer funds directly between bank accounts—without a card network—and are ideal for:
- Instant refunds or rebates
- Lower-priced incentive-based checkouts
- High-ticket transactions with no chargeback risk
- Automated payout and billing systems
With FedNow® and RTP®, these A2A payments are real-time, irrevocable, and available 24/7/365.
Receive FedNow Instant Payments for your business using Real-Time Payments
Itemized Real-Time Payments Parameters, Attributes, Benefits and Features
Parameters
|
Parameter |
Description |
|
Payment Type |
A2A (Account-to-Account) |
|
Rail |
RTP® by The Clearing House and FedNow® by the Federal Reserve |
|
Transaction Mode |
Batch, Recurring, One-time |
|
Industry Use |
POS, MOTO, Ecommerce, Invoicing, Rebates |
|
Settlement Time |
Instant (under 15 seconds), irrevocable |
|
Availability |
24/7/365 including weekends and holidays |
Attributes
- Alias support for enhanced customer privacy (email, mobile, customer ID)
- ISO 20022 messaging ensures rich data exchange and reconciliation
- Good Funds Guarantee eliminates fraud, bounce-back, or insufficient funds
- Payer control lets customers schedule or approve amounts in real time
- Recurring and batch automation integrates seamlessly with billing systems
Benefits
- Immediate Cash Flow: No more 2–5 day ACH or card deposit delays
- Lower Sale Prices: Offer rebates or discounts to incentivize real-time payment
- Reduced Fees: Eliminate interchange and card gateway costs
- POS & Ecommerce Ready: QR code or click-to-pay from terminals or online portals
- No Chargebacks: FedNow® and RTP® payments are final once settled
- 24/7 Reliability: Never wait on banking hours or batch processing windows
- Optimized Reconciliation: Automated matching of payment and invoice data
Features
- Hosted Payment Pages and secure alias-based checkout
- Batch file upload with recurring billing templates
- QR code generation for in-store and mobile payment links
- Smart rebating options for A2A incentivized pricing
- Full transaction dashboard with real-time payment status
- Integrated reporting into ERP, CRM, and QuickBooks®
- API-first architecture for scalable and flexible deployment
Industries Benefiting from A2A Real-Time Payments
- Retail (POS): QR-code scan payments, instant checkout, lower prices with real-time rail rebates
- Call Center/MOTO: Secure customer-initiated A2A links with same-day reconciliation
- Accounting & Recurring Billing: Batch invoices that settle instantly with each recurring RfP™
- Field Services & Contractors: Instant, mobile-enabled collection on job completion
- Healthcare: Real-time co-pays, refunds, and financial assistance rebates via alias payments
- Ecommerce Platforms: Offer A2A as a checkout method for cost-efficiency and conversion uplift
Start Receiving Instant A2A Payments with TodayPayments.com
Imagine offering your customers discounts for paying in real-time, avoiding expensive card fees, and watching your bank account update in seconds—all while automating your books.
With TodayPayments.com, you can:
- Enable A2A real-time payments via FedNow® and RTP®
- Offer rebates, lower pricing, or incentives for fast settlement
- Handle POS, MOTO, and ecommerce checkouts with instant funding
- Automate batch and recurring payments across all channels
Stop chasing payments. Start receiving them—instantly.
👉 Get started now at https://www.TodayPayments.com and unlock the full power of real-time payments, smart rebates, and instant A2A deposits.
Today’s Payments. Delivered in Seconds.™
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.
... 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.
1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1.5% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Receive Instant Payments system.
Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG
4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Request For Payment payment processing
