Real-Time Payments for Sending and Receiving Checks via Ecommerce and SMS
To accelerate commerce by enabling real-time check functionality through ecommerce and texting—delivering instant, secure, and fully reconciled Good Funds using RTP® and FedNow®.
TodayPayments.com empowers businesses to send and receive real-time digital checks via ecommerce and text—replacing outdated check and ACH workflows. With hosted RfP™ links, ISO 20022 batch uploads, and QuickBooks® QBO integration, our platform ensures instant settlement, customer flexibility, and accounting precision.
Instant, Irrevocable Digital Check Payments with Hosted Pages and Mobile Delivery
Digital Checks Reinvented for Ecommerce and Mobile Texting
Gone are the days of waiting for paper checks to clear or for ACH transfers to process. In the new digital era, real-time check delivery via ecommerce platforms and SMS is redefining how merchants and customers exchange funds.
With FedNow® and RTP®, paired with hosted Request for Payment (RfP™) pages, businesses can instantly send or receive digital checks that settle with irrevocable Good Funds in under 10 seconds. Whether triggered by ecommerce checkout, mobile texting, or recurring billing, this next-generation payment experience is fast, secure, and fully compatible with QuickBooks® QBO and ISO 20022 batch uploads.
The Real-Time Digital Check experience lets merchants issue or collect payment requests via ecommerce sites, text messages, email, or QR codes, with immediate settlement over FedNow® and RTP® rails. Customers approve payment through a secure hosted payment page, while merchants enjoy automatic reconciliation and cash-flow certainty.
These real-time transactions use ISO 20022-rich data file formats and support A2A, B2B, and C2B flows with recurring and one-time functionality. No chargebacks. No float. No delay.
RTP® & FedNow® Payment Parameters, Attributes, Benefits & Features
Features
|
Feature |
Description |
|
Payment Networks |
RTP® (The Clearing House) and FedNow® (Federal Reserve) |
|
Transaction Speed |
Real-time (under 10 seconds) |
|
Fund Type |
Irrevocable Good Funds |
|
Supported Channels |
Ecommerce, POS, MOTO, Texting, QR, Email |
|
Transaction Types |
A2A, B2B, C2B – One-time & Recurring |
|
Batch Upload |
ISO 20022 (.XML, .JSON, Excel) |
|
Hosted Payment Pages |
Responsive, PCI-compliant, branded |
|
Mobile & Text Payments |
SMS link delivery with secure payer approval |
|
QuickBooks® QBO Sync |
Instant AR/AP reconciliation |
|
Compliance & Security |
PCI-DSS, Alias-based MIDs, NACHA-compliant |
Benefits
✅ Digital Checks via Text and Hosted Pages
Merchants can issue real-time check requests using SMS, QR codes, or email, directing the Payer to a secure hosted page where payment is confirmed and funds are instantly settled.
✅ Ecommerce Integration for One-Time and Recurring Payments
Real-Time Checks can be embedded into ecommerce checkout experiences, auto-bill platforms, and subscription models, replacing credit cards and ACH with instant digital alternatives.
✅ Batch Upload of Checks Using ISO 20022 File Formats
Upload hundreds or thousands of digital check payouts using ISO 20022-compliant files, including .XML, JSON, and Excel—perfect for payroll, commissions, or invoice reimbursements.
✅ Full QuickBooks® QBO Reconciliation for Every Payment
All real-time digital check activity is logged directly into your QuickBooks® QBO ledger, eliminating manual data entry and speeding up AR/AP closeouts.
Ask us How:
- Real-time payments via ecommerce and text allow businesses to send and receive check-equivalent funds instantly over RTP® and FedNow® rails, with hosted payment pages and SMS delivery.
- Customers receive secure Request for Payment (RfP™) links via text or email, enabling instant settlement of invoices or ecommerce checkouts with irrevocable Good Funds.
- Batch payment uploads using ISO 20022 standards make recurring digital check issuance easy and compliant across banks and credit unions.
- QuickBooks® QBO integration ensures real-time reconciliation of all transactions, enhancing financial reporting and cash flow management.
- Merchants gain flexible payment initiation tools across POS, mobile, and online platforms, transforming check workflows into modern, efficient, real-time solutions.
Why Businesses Choose TodayPayments.com for Real-Time Digital Checks
- ✅ Send and receive digital checks instantly over FedNow® or RTP®
- ✅ Deliver RfP™ links by SMS, email, QR code, or ecommerce checkout
- ✅ Batch process check payments using ISO 20022 (.XML, .JSON, Excel)
- ✅ 24/7 settlement with no chargebacks or float
- ✅ Instant posting to QuickBooks® QBO or ERP systems
- ✅ Alias-based MIDs for departments or agents
- ✅ PCI-compliant hosted payment pages—no coding required
- ✅ Works across MOTO, ecommerce, subscription, and invoice models
- ✅ Secure, mobile-first experience for both merchants and payers
- ✅ Fast online onboarding—no hardware or bank branch required
Checks, reimagined. Instant, mobile, and reconciled.
With TodayPayments.com, your business can send or receive Real-Time Digital Checks through ecommerce and text messaging with settlement confirmed in seconds. Whether it's a refund, invoice, commission, or cart checkout—you get Good Funds with no delay, no dispute, and no risk.
✅ Hosted RfP™ links
✅
ISO 20022 batch uploads
✅ SMS or ecommerce-triggered
payments
✅ QBO auto-reconciliation
✅
Final Good Funds 24/7
👉 Visit
TodayPayments.com and launch your Real-Time Digital Check
experience today.
It’s how modern businesses move money—faster,
smarter, and on your terms.
Features & Benefits
FedNow instant payments has benefits for all parties involved in
Financial Transactions.
Benefits to your company include:
Money Transfer: Current limit of $1,000,000+ ~ FedNow, $10,000,000+ ~ RTP.
It's Final: All RTP and Instant Payments are Final & Irrevocable.
It's Fast: 24/7/365 access to funds anytime vs.
several days for paper checks or ACH transfers to process.
Request for Payments ( RfP ™): Mobile & Online Real-Time Bill Payments.
Software Integration: Integrate your A/R & A/P Management
or Enterprise software with us.
Message Detail: Full 145 characters available
using ISO 20022 messaging XML format.
Online Down Payments: Don't use inconvenient
and expensive Wires & Cashier's Checks.
Online Real-Time Reporting: Configured
Dashboard with Virtual Terminal login.
Reduced calls / emails in the "Purchasing Chain": All
parties to a instant payment transaction receive immediately
text & email messaging.
The
FedNow and RTP Systems enables Participants to initiate credit transfers,
receive final and irrevocable settlement for credit transfers,
and make available to Receivers funds associated with such
credit transfers in real-time, twenty-four (24) hours a day,
seven (7) days a week, fifty-two (52) weeks a year. All instant payments are "Credit
Push" instead of "Debit Pull."
Creation Request for Payment Bank File
Call us, the .csv and or .xml FedNow or Request for Payment (RfP) file you need while on your 1st phone call! We guarantee our reports work to your Bank and Credit Union. We were years ahead of competitors recognizing the benefits of RequestForPayment.com. We are not a Bank. Our function as a role as an "Accounting System" in Open Banking with Real-Time Payments to work with Billers to create the Request for Payment to upload the Biller's Bank online platform. U.S. Companies need help to learn the RfP message delivering their bank. Today Payments' ISO 20022 Payment Initiation (PAIN .013) shows how to implement Create Real-Time Payments Request for Payment File up front delivering a message from the Creditor (Payee) to it's bank. Most banks (FIs) will deliver the message Import and Batch files for their company depositors for both FedNow and Real-Time Payments (RtP). Once uploaded correctly, the Creditor's (Payee's) bank continues through a "Payment Hub", will be the RtP Hub will be The Clearing House, with messaging to the Debtor's (Payer's) bank.
... 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.
1) Free ISO 20022 Request for Payment File Formats, for FedNow and Real-Time Payments (The Clearing House) .pdf for you manually create "Mandatory" (Mandatory .csv or .xml data for completed ISO 20022 file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting files using your Bank or Credit Union. Using your invoice information database to create an existing Accounts Receivable file, we CLEAN, FORMAT to FEDNOW or Real-Time Payments into CSV or XML. Create Multiple Templates. You can upload or "key data" into our software for File Creation of "Mandatory" general file. Use either the Routing Number and Account Number for your Customers or use "Alias" name via Mobile Cell Phone and / or Email address.
Fees = $57 monthly, including Activation, Support Fees and Batch Fee, Monthly Fee, User Fee. We add your URI for each separate Payer transaction for additional Payment Methods on "Hosted Payment Page" (Request for file with an HTML link per transaction to "Hosted Payment Page" with ancillary payment methods of FedNow, RTP, ACH, Cards and many more!) + $.03 per Transaction + 1.5% percentage on gross dollar file,
3) Add integrating QuickBooks Online "QBO" using FedNow Real-time Payment using our Real-Time Checks system.
Fees Above 2) plus $29 monthly additional QuickBooks Online "QBO" formatting, and "Hosted Payment Page" and WYSIWYG
4) Above 3) plus Create "Total" (over 600 Mandatory, Conditional & Optional fields of all ISO 20022 Pain .013) Price on quote.
Each day, thousands of businesses around the country are turning their transactions into profit with real-time payment solutions like ours.
Contact Us for Real-time Payments processing
