RTP® Sign-Up to Receive Merchant Account(s)
Why Why Businesses Are Signing Up for RTP® with TodayPayments.com
RTP® Sign-Up to Receive Merchant Account(s)
The demand for instant, secure, and cost-efficient payment processing is growing as businesses move away from traditional banking methods like ACH transfers, wire payments, and credit card transactions. These outdated payment methods come with high fees, processing delays, and security risks. Real-Time Payments (RTP®) changes the game by offering instant account-to-account (A2A) transfers, ensuring businesses receive payments in seconds instead of days.
By signing up for an RTP® merchant account, businesses gain access to real-time, 24/7 payment processing across multiple banks and credit unions. TodayPayments.com simplifies the sign-up process by providing RTP® merchant accounts nationwide, allowing businesses to transact instantly and eliminate costly delays.
With our service, businesses can sign up for RTP® accounts online anytime, without visiting a bank. Instead of full banking details, merchants can use phone numbers or email addresses as secure aliases, making transactions safer, faster, and more efficient.
Custom Hosted Payment Pages for RfP Invoicing
RTP® Sign-Up to Receive Merchant Account(s) Today
Why Businesses Are Signing Up for RTP® with TodayPayments.com
Businesses are adopting RTP® to improve transaction speed, security, and cost-effectiveness. Unlike traditional bank transfers, RTP® settles payments instantly, providing businesses with immediate access to funds. The ability to use alias-based transactions, such as phone numbers or email addresses, enhances security and ease of use.
Multiple Merchant Identification Numbers (MIDs) can be assigned to different business divisions, banking institutions, or departments, giving businesses better financial tracking and organization. With 24/7 online registration, businesses can sign up for RTP® instantly and integrate with QuickBooks® QBO for automated reconciliation.
Comprehensive RTP® Merchant Services by TodayPayments.com
Dual RTP® & FedNow® Merchant Accounts
Businesses can sign up for both RTP® and FedNow® merchant accounts, ensuring instant transactions across multiple financial networks. Unlike most banks, TodayPayments.com provides a fully integrated solution for businesses seeking real-time payment capabilities.
Multiple RTP® Merchant Accounts Across Banks & Credit Unions
Merchants can enroll multiple RTP® accounts with various financial institutions nationwide. This is particularly useful for businesses with multi-location operations, subsidiaries, or diverse banking relationships, allowing them to streamline payments within a unified system.
Custom Hosted Payment Pages for Request for Payment (RfP) Invoicing
Businesses can create custom-branded payment pages for Request for Payment (RfP) invoicing, ensuring a professional, seamless payment experience. These pages comply with ISO 20022 messaging standards, allowing businesses to send invoices and receive payments instantly through embedded links in invoices, emails, and text messages.
Support for Multiple Email Addresses & Cell Phone Numbers
Companies can assign unique MIDs to multiple aliases, including phone numbers and email addresses, ensuring secure and efficient payment processing. This is ideal for businesses that handle large transaction volumes or require separate accounts for different departments.
RTP® Processing Nationwide – Available in All 50 States
TodayPayments.com supports RTP® merchant accounts across the entire U.S., allowing businesses to transact instantly with banks and credit unions, regardless of location.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
Businesses benefit from free real-time reconciliation tools, ensuring accurate and transparent financial tracking. CFOs and treasurers can monitor transactions instantly and automate financial reporting, reducing the need for manual reconciliation.
Step-by-Step Guide for U.S. Merchants to Sign Up for RTP®
1️⃣ Register online at
TodayPayments.com—no need to visit a bank.
2️⃣
Use a cell phone number or email address as a secure alias for
transactions.
3️⃣ Enroll multiple bank
accounts under a single RTP® merchant account.
4️⃣
Receive unique MIDs for each alias, ensuring simpler financial
management.
5️⃣ Integrate RTP® with
QuickBooks® QBO for automated reconciliation.
6️⃣
Start accepting instant RTP® payments via mobile, email, and
SMS invoicing.
Key Benefits of Signing Up for an RTP® Merchant Account with TodayPayments.com
Lower Transaction Costs – Eliminate Credit Card Fees
By using RTP®, businesses can cut down on expensive credit card processing fees. Unlike credit card transactions, RTP® does not involve chargebacks, PCI compliance fees, or high interchange rates, making it a cost-effective payment alternative.
Instant Fund Transfers – Improve Cash Flow
With RTP®, businesses receive instant payments, eliminating waiting times for ACH processing or wire transfers. Faster transactions provide better cash flow management and financial stability.
100% Online Enrollment – No Physical Bank Visits Required
Businesses can sign up for an RTP® merchant account entirely online, avoiding the delays of traditional bank applications. This means merchants can start processing payments immediately without unnecessary waiting periods.
Enhanced Security with Alias-Based Transactions
Rather than using full banking details, RTP® enables businesses to process payments securely using phone numbers or email addresses as aliases. This reduces fraud risk and ensures safer transactions.
Multiple MIDs for Business Payment Management
Businesses can assign different MIDs to various departments, store locations, or subsidiaries, ensuring better financial tracking and organization.
24/7/365 Payment Processing – No Downtime
RTP® supports round-the-clock transactions, allowing businesses to accept and send payments any time, including weekends and holidays, ensuring uninterrupted business operations.
Industries That Benefit Most from Signing Up for an RTP® Merchant Account
Retail & E-Commerce
RTP® enables instant checkout payments, helping businesses reduce abandoned carts and improve the customer experience with fast, secure transactions.
B2B & Wholesale Payments
Companies can streamline supplier and vendor payments, ensuring real-time payments without wire transfer costs or ACH delays.
Subscription & Membership-Based Businesses
With RTP®, businesses can automate recurring payments while eliminating chargeback risks, making it an excellent choice for SaaS, fitness clubs, and membership-based services.
Freelancers & Gig Economy
Freelancers and contractors can receive instant payments, eliminating waiting periods for payroll processing.
High-Risk Industries
Unlike traditional banks that impose restrictions, TodayPayments.com provides RTP® solutions for businesses across all industries, including gaming, adult services, and CBD.
Sign Up for an RTP® Merchant Account Today with TodayPayments.com
Businesses that integrate real-time payments benefit from faster transactions, improved security, and reduced costs. By signing up for an RTP® merchant account with TodayPayments.com, businesses can enjoy:
Instant transactions with 24/7/365
availability
Lower processing costs with no chargebacks or PCI
fees
Secure transactions using alias-based processing
Fast
and easy online sign-up with no need for physical bank visits
Seamless QuickBooks® QBO integration for automated reconciliation
Start today with TodayPayments.com and begin accepting real-time RTP® payments instantly!
Creation Request for Payment Bank File
Enhance Your FedNow Sign-Up using Real-Time Payments 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 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.
Contact Us for Request For Payment payment processing
