Register RTP® Merchant Account(s) – Instant Real-Time Payments
Why Businesses Are Registering for RTP® with TodayPayments.com
Register RTP® Merchant Account(s) for Instant Business Payments
The need for real-time, secure, and cost-effective payment processing has never been greater. Traditional banking systems, including ACH, wire transfers, and credit card processing, come with high fees, delayed settlements, and security vulnerabilities. Real-Time Payments (RTP®) is revolutionizing financial transactions by enabling instant account-to-account (A2A) transfers, eliminating the inefficiencies of legacy payment systems.
By registering an RTP® merchant account, businesses can process real-time payments 24/7/365, ensuring immediate fund availability and streamlined cash flow management. TodayPayments.com simplifies this process by offering merchant accounts for both RTP® and FedNow®, providing businesses with the ability to accept and send instant payments across multiple banks and credit unions in all 50 states.
With our service, businesses can register RTP® accounts online without visiting a bank. Instead of full financial details, they can use cell phone numbers or email addresses as aliases, ensuring secure transactions. Additionally, companies can set up multiple Merchant Identification Numbers (MIDs) across various financial institutions for better transaction management.
Free Real-Time Payments Bank Reconciliation
Register RTP® Merchant Account(s) Today
Why Businesses Are Registering for RTP® with TodayPayments.com
Businesses are embracing RTP® to eliminate delays and costly transaction fees. With RTP®, payments settle instantly, providing companies with unmatched speed and security. Alias-based transactions allow merchants to use cell phone numbers and email addresses instead of full financial data, reducing exposure to fraud.
Multiple Merchant Identification Numbers (MIDs) can be assigned to different departments, subsidiaries, or banking institutions, allowing businesses to consolidate and streamline their payment processing. With 24/7 online registration, businesses can enroll for RTP® without visiting a bank and integrate seamlessly with QuickBooks® QBO for automated reconciliation.
Comprehensive RTP® Merchant Services by TodayPayments.com
Dual RTP® & FedNow® Merchant Accounts
Businesses can register for both RTP® and FedNow® merchant accounts to access instant payments across multiple platforms. Unlike most banks, which limit RTP® access, TodayPayments.com offers fully integrated solutions for businesses of all sizes.
Multiple RTP® Merchant Accounts Across Banks & Credit Unions
Merchants can enroll multiple RTP® accounts with different financial institutions nationwide. This feature benefits businesses with multi-location operations, subsidiaries, or multiple banking relationships, allowing them to consolidate transactions in one platform.
Custom Hosted Payment Pages for Request for Payment (RfP) Invoicing
Businesses can create custom-branded payment pages for secure Request for Payment (RfP) invoicing. These pages are ISO 20022-compliant, ensuring compatibility with financial institutions and enabling fast, hassle-free payments via embedded links in invoices, emails, and SMS.
Support for Multiple Email Addresses & Cell Phone Numbers
Companies can assign unique MIDs to multiple aliases, including phone numbers and emails. Businesses handling high transaction volumes or requiring separate MIDs for multiple departments can easily organize and track payments efficiently.
RTP® Processing Nationwide – Covering All 50 States
TodayPayments.com offers RTP® payment processing nationwide, enabling businesses to process instant transactions across multiple banks and credit unions without geographic restrictions.
✅
"FREE" Real-Time Payments Bank Reconciliation – with all merchants process with us.
- Treasurers and CFOs can manage transactions instantly using our reconciliation tools.
- No additional costs—this is a free feature!
Step-by-Step Guide for U.S. Merchants to Register RTP®
1️⃣ Sign up online at
TodayPayments.com—skip the bank visit and apply anytime.
2️⃣
Register a cell phone number or email address as an alias for
RTP® transactions.
3️⃣ Enroll multiple bank
accounts into one consolidated RTP® merchant account.
4️⃣
Receive unique MIDs for each alias, ensuring seamless financial
tracking.
5️⃣ Integrate RTP® with
QuickBooks® QBO for automated reconciliation.
6️⃣
Start accepting and sending RTP® payments via mobile, email,
and SMS invoicing.
Key Benefits of Registering an RTP® Merchant Account with TodayPayments.com
Lower Transaction Costs – Say Goodbye to Credit Card Fees
RTP® transactions eliminate excessive credit card processing fees, allowing businesses to save significantly. No chargebacks, PCI compliance fees, or high interchange rates make RTP® an ideal low-cost payment solution.
Instant Fund Transfers – Strengthen Cash Flow Management
Unlike ACH transfers and wire payments, RTP® transactions settle instantly. Businesses can access funds immediately, improving liquidity and cash flow stability.
100% Online Enrollment – No Bank Visits Required
Merchants can register an RTP® merchant account entirely online. This hassle-free registration process accelerates approvals, allowing businesses to start processing real-time payments within days.
Enhanced Security with Alias-Based Transactions
By using phone numbers or email addresses as aliases, businesses can secure transactions without exposing full banking details. RTP® also provides advanced fraud protection and encryption.
Multiple MIDs for Business Payment Management
Companies can assign different MIDs based on departments, business locations, or corporate divisions, ensuring better organization, financial tracking, and compliance.
24/7/365 Payment Processing – No Delays
With RTP®, businesses can accept and send payments anytime—including weekends and holidays, eliminating downtime and ensuring smooth operations.
Industries That Benefit Most from Registering an RTP® Merchant Account
Retail & E-Commerce
RTP® enhances instant checkout experiences, reducing abandoned carts and ensuring faster, more secure payments for customers.
B2B & Wholesale Transactions
Real-time payments simplify vendor and supplier transactions, eliminating payment delays, late fees, and wire transfer costs.
Subscription & Membership-Based Businesses
By automating recurring payments, RTP® allows businesses to process monthly and annual billing cycles without chargeback risks.
Freelancers & Gig Economy
Freelancers and gig workers receive payments instantly with RTP®, ensuring financial stability without waiting for bank processing delays.
High-Risk Industries
Unlike traditional banks, which impose restrictions, TodayPayments.com provides RTP® solutions for all industries, including high-risk businesses such as gaming, adult services, and CBD.
Register Your RTP® Merchant Account Today with TodayPayments.com
Businesses that adopt real-time payments gain a competitive advantage in speed, security, and cost savings. By registering an RTP® merchant account with TodayPayments.com, businesses can unlock:
Instant, real-time payments with 24/7/365
availability
Lower processing costs with no chargebacks or PCI
fees
Enhanced security through alias-based transactions
Quick and easy online registration with no need for bank visits
Seamless QuickBooks® QBO integration for automated reconciliation
Get started today with TodayPayments.com and start processing RTP® payments instantly!
Creation Request for Payment Bank File
Enhance Your Register FedNow 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
