Business Payment Service
TodayPayments.com is the intelligent, real-time platform for businesses looking to modernize their Business Payment Services with Request for Payments (RfP), ISO 20022 messaging, and dynamic merchant-hosted pages. Our system enables direct Payee-to-Payer invoicing via SMS, smartphone, or email—using aliases instead of bank credentials. Whether you send short-form requests or full-page invoices, TodayPayments.com provides unmatched flexibility, speed, and integration readiness. We power smarter payments for modern businesses—from startups to high-risk enterprises—by delivering clarity, certainty, and cash flow control.
Modern Business Payment Service with Direct RfP Messaging
As payment speed and data transparency become
key differentiators in business, traditional billing systems are no
longer enough. Businesses need a modern Business Payment Service
that supports real-time communication, flexible delivery methods,
and rich data—all while protecting sensitive banking information.
Enter the Request for Payments (RfP) system, supported by
ISO 20022 messaging, SMS, email, and smartphone notifications.
Through TodayPayments.com, merchants can connect Payees to
Payers via concise 140-character messages or dynamic hosted
payment links, offering instant payment certainty and better
control—whether from a bank dashboard or a mobile device.
A Business Payment Service enables you to request and receive payments directly from Payee to Payer or through a bank dashboard—without disclosing full bank details. With TodayPayments.com’s platform, you can:
- Send real-time Request for Payments (RfP) to customers or business clients
- Use aliases like mobile numbers or email addresses to reduce the need for bank account info
- Deliver invoices via SMS, email, text, or smartphone notifications
- Automatically track payment statuses and generate receipts
Whether for B2B invoicing or C2B one-time billing, your communications are faster, smarter, and more secure.
Leverage ISO 20022 Rich Data & Flexible Display Options
With ISO 20022 as the messaging backbone, your payment requests are more than just alerts—they're data-driven, formatted, and instantly actionable. Features include:
- Optional 140-character summaries embedded directly in the message
- Dynamic hyper-links that direct payers to a branded Merchant Payment Page
- Integration-ready templates that
connect to:
• Your own website
• Or a hosted link like TodayPayments.com/HostedPaymentPage.html - Seamless data exchange across banks, ERPs, and financial dashboards
Now you can control how payment info is presented, whether it's short and quick or rich and detailed.
Bank Dashboard Integration & Alias-Driven Simplicity
Through banking portals or third-party dashboards like TodayPayments.com, businesses can:
- Schedule and track RfP messages in batches or individually
- Use aliases (phone/email) instead of routing and account numbers
- Reduce friction in payment onboarding for new customers
- Reconcile incoming funds through ISO 20022 structured reports
These tools give your team ultimate flexibility in managing recurring billing, one-time charges, or high-risk invoicing—all without exposing sensitive credentials.
Make your billing frictionless, fast, and future-proof with Business Payment Services from TodayPayments.com. Use ISO 20022 Request for Payments, aliases, and smart messaging via text, email, or dynamic payment pages—without revealing full banking details.
👉 Whether
you're billing consumers or enterprises, take command of
your payment flow.
🚀
Get started now at
https://www.TodayPayments.com and simplify every step of
your billing process.
Creation Request for Payment Bank File
Enhance Your Business Payment Service 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 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.
... 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.
Contact Us for Business Payment Service payment processing pricing
