Upload Real-Time Payments File
TodayPayments.com is the leading platform for uploading and managing real-time payments through FedNow® and RTP®. We help businesses, financial institutions, and fintechs process mobile digital invoices, batch uploads, and one-time payments using ISO 20022, Excel, XML, and JSON formats—ensuring instant funding certainty across all U.S. credit unions and banks.
How to Upload Real-Time Payment Files with FedNow® and RTP®
Getting paid instantly is no longer a luxury—it’s a competitive edge. Whether you're a credit union, fintech, or merchant, the ability to upload real-time payments and process digital invoices through mobile is transforming cash flow management. With TodayPayments.com, you can upload FedNow® and RTP® payment files in ISO 20022, Excel, XML, or JSON formats. From single mobile invoices to large-scale batch uploads, we make real-time payment certainty possible—for every transaction, every time.
TodayPayments.com makes it fast and simple to upload payment files and request real-time transactions across the FedNow® and RTP® networks. Whether you're managing daily business payments, payroll, or customer transactions, our platform supports:
- One-time or recurring uploads
- Instant payments across all U.S. credit unions and financial institutions
- Real-time crediting with confirmation using ISO 20022 messaging
Say goodbye to outdated ACH delays. Real-time payments are here—and they’re available through batch uploads or on-demand mobile invoicing.
File Formats: ISO 20022, Excel, XML & JSON for Instant Payment Certainty
Our platform supports a wide variety of file formats to accommodate any workflow or technical setup:
- ISO 20022 Rich Data Messaging: Structured, transparent, and regulation-ready
- Excel (.XLS/.XLSX): Easy to use for both technical and non-technical teams
- XML & JSON: Machine-readable and perfect for APIs and automation tools
These formats can be used for:
- Mobile & text-based invoicing
- Desktop file uploads
- Automated integrations with your financial or ERP software
Whether you’re sending payments from your phone or through batch uploads, your payees receive instant funding with full confirmation.
Batch Uploads to Credit Unions and Financial Institutions Nationwide
TodayPayments.com gives you the power to upload payment batches to:
- All U.S. credit unions
- Any bank or financial institution supporting FedNow® or RTP®
- Real-time B2B and C2B transactions
You can upload files containing:
- One-time payment instructions
- Recurring billing data
- Real-Time Payments (RTP®) Request for Payment (RfP) messages
- FedNow® instant payment instructions
Every batch is processed in real time—giving you and your payees certainty, speed, and peace of mind.
To upload a Real-Time Payments Request for Payment (RfP) file into your business bank dashboard, follow these steps:
1. Log into Your Business Bank Dashboard
- Access your bank’s online platform via a web browser or mobile banking app.
- Navigate to the section dedicated to payment processing, typically found under Payments or Funds Transfer.
2. Locate the "Request for Payment" or File Upload Section
- Find the Request for Payment
section, or the specific area where you can upload payment
files. This might be labeled as:
- "Upload Payments"
- "Batch Upload"
- "Real-Time Payments"
- Select the correct option based on the format you’re using (e.g., CSV, XML, or ISO 20022).
3. Upload the RfP File
- Select File: Use the browse button to upload your prepared RfP file (CSV, XML, etc.).
- File Validation: Some banks
automatically validate the uploaded file. Make sure the file
adheres to the bank’s format standards. You may receive an
error message if any fields are incorrect or missing, so
ensure that all mandatory fields (RequestID, Creditor, Debtor,
Amount, Currency, etc.) are correctly populated.
- Example of CSV structure:
RequestID,CreditorName,CreditorAccountNumber,DebtorName,DebtorAccountNumber,Amount,Currency,DueDate,Reference
RFP-12345,Acme Corp,123456789,Jane Doe,987654321,1500.00,USD,2024-09-14,Invoice-98765
4. Review and Confirm the Request
- Review Details: Once the file is uploaded, review the payment details carefully. Confirm that the amounts, payee, and payer details are correct.
- Submit the Request: After reviewing, submit the request. Depending on the bank, the request will either be processed immediately (real-time) or scheduled for processing based on the transaction type.
5. Monitor the Payment Status
- Once the request has been submitted,
monitor the status of the payment through the bank’s
dashboard. Status updates might include:
- Pending: Waiting for confirmation or further action.
- Completed: The payment has been successfully processed.
- Failed: There was an issue with processing, and action is needed to correct the request.
6. Reconcile the Payment
- Ensure the payment is properly recorded in your accounting software (such as QuickBooks). If you’re using an integration tool like SecureQBPlugin, the reconciliation may be automatic
By following these steps, you can successfully upload an RfP file into your business bank's dashboard, ensuring timely and accurate real-time payments for your business.
Real-Time Payment Starts Here — Only at TodayPayments.com
Stop waiting. Start uploading.
With
TodayPayments.com, your business gains access to:
✅ Seamless file upload for real-time
payments
✅ ISO 20022, Excel, XML, and JSON
compatibility
✅ Instant mobile invoicing and batch
processing
✅ Guaranteed delivery via FedNow®
and RTP® rails
Whether you’re sending payments once or every day, we make it real-time, secure, and simple.
🚀 Get paid faster.
📲 Start now at
TodayPayments.com
Creation Request for Payment Bank File
Call us, the .csv and or .xml 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 data for completed file) fields, start at page 4, with "yellow" highlighting. $0.0 + No Support
2) We create .csv or .xml formatting using your Bank or Credit Union. Create Multiple Templates. Payer/Customer Routing Transit and Deposit Account Number may be required to import with your bank. You can upload or "key data" into our software for File Creation of "Mandatory" general file.
Fees = $57 monthly, including Support Fees and Batch Fee, Monthly Fee, User Fee, Additional Payment Method 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% percentage on gross dollar file,
3) Payer Routing Transit and Deposit Account Number is NOT required to import with your bank. We add your URI for each separate Payer transaction.
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.
Activation Dynamic RfP Aging and Bank Reconciliation worksheets - only $49 annually
1. Worksheet Automatically Aging for Requests for Payments and Explanations
- Worksheet to determine "Reasons and Rejects Coding" readying for re-sent Payers.
- Use our solution yourself. Stop paying accountant's over $50 an hour. So EASY to USE.
- No "Color Cells to Match Transactions" (You're currently doing this. You won't coloring with our solution).
- One-Sheet for Aging Request for Payments
(Merge, Match and Clear over 100,000 transactions in less than 5 minutes!)
- Batch deposits displaying Bank Statements are not used anymore. Real-time Payments are displayed "by transaction".
- Make sure your Bank displaying "Daily FedNow and Real-time Payments" reporting for "Funds Sent and Received". (These banks have Great Reporting.)
Activation Dynamic RfP Aging and Bank Reconciliation worksheets - only $49 annually
1. Worksheet Automatically Aging for Requests for Payments and Explanations
- Worksheet to determine "Reasons and Rejects Coding" readying for re-sent Payers.
- Use our solution yourself. Stop paying accountant's over $50 an hour. So EASY to USE.
- No "Color Cells to Match Transactions" (You're currently doing this. You won't coloring with our solution).
- One-Sheet for Aging Request for Payments
(Merge, Match and Clear over 100,000 transactions in less than 5 minutes!)
- Batch deposits displaying Bank Statements are not used anymore. Real-time Payments are displayed "by transaction".
- Make sure your Bank displaying "Daily FedNow and Real-time Payments" reporting for "Funds Sent and Received". (These banks have Great Reporting.)
Contact Us for Request For Payment payment processing
