FedNow® & RTP® Real-Time Merchant Payment Processing with RfP™ Invoicing

Instant Request for Payments (RfP™) with Alias, SMS, Email, and QR Code Delivery

The Real-Time Payments Era Has Arrived

In today’s always-on business environment, waiting days for ACH or paying costly card fees is no longer acceptable. The future is instant — powered by FedNow® and RTP®, the U.S. real-time payment networks that enable merchants to request and receive secure funds 24/7/365.

Using Request for Payment (RfP™) invoicing, merchants can send secure, ISO 20022-compliant payment requests via alias, SMS, email, or QR code — and receive good funds instantly.

Real-TimePayments.com is your trusted facilitator. We are not a bank or affiliated with the FedNow® or RTP® networks — but a U.S.-based accounting fintech that activates RfP™ merchant accounts across multiple MIDs and banks, integrates with QuickBooks®, and automates A/R reconciliation — for every type of business, in every state.

Top 10 Feature-Rich Reasons to Choose Premier FedNow® and RTP® via Real-TimePayments.com

1. 24/7/365 Instant Settlement – Receive good funds instantly, even on weekends and holidays.
2. No Credit Card Fees or Chargebacks – Push-only payments eliminate traditional card costs and fraud risk.
3. Multi-Rail Support (FedNow® + RTP®) – Future-proof payment strategy across both U.S. instant rails.
4. Alias-Based Requesting – Send RfP™ via email, phone number, or token — no account/routing info required.
5. QR Codes & Hyperlink Invoicing – Share instant-payment-enabled links via SMS, email, web, or paper.
6. Automated A/R Reconciliation – Match payments in real time and track aging invoices automatically.
7. ISO 20022 Message Compliance – Structured, auditable data for enterprise and small businesses alike.
8. Multiple MIDs Across Institutions – Run business units across different banks, platforms, or processors.
9. QuickBooks® Online Integration – Instantly post payments into QBO and accounting ledgers.
10. Nationwide Approval – All Business Types – Including high-risk, high-volume, or multi-state enterprises.

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

✅ Core Parameters

• Messaging Format: ISO 20022-compliant pain.013 & pain.014 messages
• RfP™ Channels: SMS, email, mobile link, alias-based, QR code
• Amount Type: Fixed or editable by payer
• Expiration & Aging: Optional expiry date, real-time tracking, aging support
• Invoice Reference: Embedded in message for matching and reconciliation
• Payer Confirmation: Real-time accept or reject logic with status response

Key Attributes

• Alias-Based Payments – Request to pay using email or mobile phone identifiers
• QR Code Integration – Enables mobile-friendly scanning and payment
• Hosted Payment Pages – Seamless payer experience across devices
• No Card Network Required – Direct account-to-account instant transfers

Business Benefits

• Reduce DSO (days sales outstanding) by receiving good funds instantly
• Lower operational cost by eliminating card and check processing fees
• Improve fraud protection with push-only irrevocable payments
• Automate ledger updates and cash application via integrated reconciliation
• Enable modern, mobile-first billing and collection strategies

Minimum ISO 20022 Data Fields for RfP™ Messaging

To ensure ISO 20022-compliant Request for Payments via FedNow® and RTP®, merchants must populate the following fields:

Field Description	ISO 20022 Tag	Required
Message Identifier	<MsgId>	✔️
Amount Requested	<Amt><InstdAmt>	✔️
Payee Identifier (Alias)	<Cdtr><Id><PrvtId>	✔️
Payer Identifier (Alias)	<Dbtr><Id><PrvtId>	✔️
Payment Reference	<RmtInf><Ustrd>	✔️
Expiration Date	<ReqdExctnDt>	Optional
Purpose or Category Code	<Purp><Cd>	Optional
Payment Link / QR	Embedded in <RmtInf>	✔️

These data elements ensure interoperability and compliance across financial institutions while enabling businesses to automate receivables and streamline audit readiness.

Ask us How:

Merchants across the U.S. can now request real-time payments using FedNow® and RTP® by sending ISO 20022-compliant RfP™ messages with embedded hyperlinks, QR codes, or aliases such as emails or mobile numbers. This allows payers to complete transactions instantly and securely — without entering bank details or logging into bill pay portals.

Real-TimePayments.com activates merchant accounts across multiple banks with multiple MIDs, allowing businesses to deploy FedNow® and RTP® simultaneously while tracking payments via unified dashboards. Whether you're issuing one-time invoices or variable recurring requests, our infrastructure supports full A/R automation, real-time status reporting, and QuickBooks® QBO integration for seamless reconciliation.

✅ How to Get Approved for FedNow® & RTP® Merchant Processing?

“Request to Pay using FedNow® and RTP® for real-time transactions. Send ISO 20022-compliant payment requests via SMS, email, or mobile and receive instant, secure good funds.”

Getting approved takes just a few minutes. We onboard your business across FedNow® and RTP® rails with variable recurring payment support, alias invoicing, and QR-enabled hosted pages.

We support all U.S. merchant types, including high-risk industries, non-profits, franchises, contractors, and digital-first businesses — across all 50 states.

Conclusion: Real-TimePayments.com – Your RfP™ Gateway to FedNow® and RTP®

Are you a payment manager, CFO, or founder looking to modernize how your business gets paid?

With Real-TimePayments.com, you can:

• Send FedNow® and RTP® RfP™ invoices instantly
• Receive good funds in seconds
• Automate reconciliation and accounting
• Eliminate card fees and chargebacks forever

✅ Need Help with FedNow® & RTP® Instant Payments? Let’s Talk.

Speak With a Real-Time Payment Specialist Now

Whether you’re ready to launch FedNow® & RTP® payments or just exploring options, our team is here to answer your questions and guide you toward the best-fit solution.

👉 Call us now: (866) 927-7180

Or… fill out the quick form below and we’ll contact you within 1 business hour.

Today Payments

...Request to Pay makes Real-Time Payments possible as a digital overlay service. RTP payments, is considered as a key element in an evolving payments landscape shaped by developments such as Open Banking and real-time payments. Request to Pay solutions are aimed at further increasing certainty, transparency and convenience when making and receiving payments. Request to Pay, will play the pivotal role in the context of real-time electronic invoice presentment and payment, where it is seen as a means to speed up the end-to-end process and ease reconciliation processes in particular.