Business Merchant Application RTP® – Get Started with Real-Time Payments
Why TodayPayments.com is the Best Choice for RTP® Merchant Accounts
Business Merchant Application for RTP® – Enroll in Real-Time Payments Today
As businesses transition to a fast, digital-first payment environment, relying on outdated ACH and wire transfers can slow down cash flow and increase transaction costs. Small and mid-sized businesses need a secure, instant, and efficient way to process transactions, receive payments, and send funds without delays.
With TodayPayments.com, merchants can apply for a Real-Time Payments (RTP®) merchant account and access instant transaction capabilities through both the RTP® network and The FedNow® Service. Our platform allows businesses to accept and process payments instantly across multiple banks and credit unions in all 50 states.
We also provide alias-based transaction processing, enabling businesses to use a cell phone number or email address as a payment alias instead of full financial data. This enhances security, streamlines payments, and simplifies financial reconciliation.
How to Apply for a Business Merchant RTP® Account & Enable Instant Payments
Why Choose TodayPayments.com for Your Business Merchant Application RTP®?
1. Instant RTP® Merchant Account for Real-Time Payments
- Apply for a business RTP® merchant account online—no need for in-person bank visits.
- Send and receive payments instantly, ensuring seamless cash flow.
- Multi-bank and multi-account compatibility, allowing businesses to transact across financial institutions.
2. Alias-Based Secure Transactions
- Use a cell phone number or email address as a secure alias/moniker for payment transactions.
- Consolidate multiple MIDs (Merchant Identification Numbers) for seamless account management.
- Enroll all your business bank accounts into RTP® and FedNow® for a unified payment experience.
3. Small Business-Friendly Payment Processing
- Accept payments via POS, retail, wholesale, MOTO, text, mobile, email, and SMS invoicing.
- Available for sole proprietors, Schedule C 1040 filers, partnerships, LLCs, S-Corps, and C-Corps.
- Lower processing costs compared to traditional payment methods, reducing transaction fees.
Key Features That Make TodayPayments.com the Best Choice for RTP® Merchant Accounts
✅
QuickBooks® QBO Integration
– Automate financial tracking, reconciliation, and reporting.
✅ Multi-Bank RTP® and FedNow® Compatibility –
Process real-time payments across multiple financial
institutions.
✅ ISO 20022 Messaging with
Hosted Payment Page – Use Request-for-Payments (RfPs)
with embedded secure payment links.
✅
Alias-Based MID System – Assign unique MIDs to multiple
email addresses and phone numbers for business flexibility.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
How to Apply for a Business Merchant Application RTP® & Transition to Real-Time Payments
1️⃣ Choose a Trusted RTP®
Payment Provider – Partner with
TodayPayments.com to activate real-time payments
instantly.
2️⃣ Utilize Alias-Based
Transactions for Enhanced Security – Replace full financial
data with cell phone numbers and email addresses for
seamless processing.
3️⃣ Enroll Multiple MIDs
for Multi-Brand & Multi-Bank Transactions – Manage business
payments across multiple financial institutions.
4️⃣
Automate Payment Collection Using ISO 20022 Messaging –
Improve billing, invoicing, and cash flow management with
Request-for-Payments (RfPs).
5️⃣
Integrate QuickBooks® QBO for Real-Time Accounting – Sync
transactions automatically for effortless financial management.
Apply for Your Business RTP® Merchant Account with TodayPayments.com
Don’t wait for slow bank transfers and high transaction fees. With TodayPayments.com, businesses can activate RTP® instantly, send and receive funds seamlessly, and streamline real-time payment processing.
🚀 Apply Today & Experience Instant Real-Time Payment Processing!
👉 Visit TodayPayments.com to apply now!
Creation Request for Payment Bank File
Enhance Your Application RTP 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.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Application RTP payment processing pricing
